I am not one to wait for "the perfect time" or "the opportunity to arrive". That is why I have lost my shirt in more than a few ventures. But it is also why I have had some great success in others. I think when it come to bettering yourself, you have to grab the moment. Instead of waiting until the car is paid off or the kids to graduate, you should go after what you want, now. You must take the leap of faith, because time is "money" you are losing, especially within...