Business Lie #1:* I don't have time to build a business. Oh, don't even go there! You will learn the most effective, efficient way to control your money. It takes one to two hours per week. Put another way, you're saying you DO have time for: talking with creditors, going to the bank to take out a loan, financing the purchase of a couch, settling for a new job that you don't want because you can't make it one month without a paycheck, etc. You don't have time NOT to build a business.