Dan, big welcome to you and well done on being so open with us. We have been there...believe me.
Ditto on the advice to download and read the book. Poke around here...lot's of great material. we even have live chat which I really enjoy.
i wish that I had pulled my head out of my bum when I was 25. I'm 38 and only just now getting this figured out.
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Know Thyself
The Oracle
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