The failure that mostly plague the investment industry is largely attributed to the lack of investment philosophy. Learn to spell out your invesment philosophy, your views about the investment types you wish to make, the frequency with which you wish to adjust your portfolio including your tolerance for risk, and other important considerations that will shape your investment portfolio.

"Wealth is not created in a day with a monthly pay. Having diverse streams of income from ones own business is what makes the difference. A little hard-work, a little savings, a little investment done in consistency make rich and add no regrets."

I was always told "better late than never". But growing up, I realised never late is better. By the time you assume that it may, it might already be June. Missed opportunities are hard to get, and harder to forget. So take a cue from Nike and just do it, now!