The bar to what is a good first step to take a start up is too high. So people have to high of expectations. So they start thinking about ideas and talk themselves out of doing things. The bar to get started is really low you just have to take a step. So just go. In our case we want to refinance our loans, what does that mean? We need to talk to people who have an auto loan, so talk to them. The second you start hesitating saying yah I talked to them, I don't know what to offer because I don't have any lenders then you're stuck in this chicken leg problems that you have all the time in a start up. Then you talk yourself out of doing things. So you have to ignore that inner voice. Just do what feels like a mini step toward the right direction. And then another one and another one. Force yourself. The best way to get started is to get started.