Be careful not to start a company that really belongs as a feature of another company, like the 25 Twitter URL shortener companies out there. Pick a real problem that's here to stay.

You got to be careful of the company you keep.

You have to be careful to react when you start to deviate from your course.

I don't have to be careful, I've got a gun.

If you look on Amazon - if you do a search for personal finance, there are literally 20,000 books written on personal finance, and there's no real reason for it. I mean, personal finance is pretty simple.

The real problem is deflation. That is the opposite of inflation but equally serious to the borrower.