I am believer that is you love life and you love work, pretty much covers it all and you more likely not allow people to hold you back. More people cause they unable to do something or just plain jealous if you get ahead of them financially will say it can't be done. Let them watch on the couch whether you fulfill your life or fail, either way it is better to fail than just sit there. Failures are really Opportunities to do again and again to overcome and you know other ways of how not to do something. So many people in this world are so negative cause most likely they have problems and instead of overcoming them, they just try to spread negativity around, I feel sorry for them, but they will never slow me down, all people have ability to keep moving.
Beginnings all many parts of life are the most risky, using hedge at start would offset any Gaps that can happen, of course gaps with us, we don't have problems do we? LOL