If you happen to be female and in an industry that places a high value on youth, which means anything in the entertainment, beauty, and tech, to name a few, old is out and if you're a woman of a certain age, so are you. So much for 50 is the new 30.

Why are so many people so interested in the topic of shame? Maybe because it is one of the most toxic of all emotions, shutting down the hopes and dreams of countless people, causing such despair and hopelessness that some of them even end their lives because of it.

Not having a plan, a budget or anything more than a passing knowledge of personal finances, I have been truly lucky to get as far as I have in life. I am proud of my accomplishments and my drive, but in all honestly what I didn't know about money has hurt me, big time.

You start by deciding where you want to end up, whether that means married with kids, a successful entrepreneur, or the author of a best-selling book. Then you create a roadmap of actions, working backward from that goal or destination until you reach your current location.

I made up the expression, but the inertia part is actually a physics phenomenon you are probably aware of. I use this term, Entrepreneurial Inertia to explain two of the most common tendencies that entrepreneurs have that make us a mystery (or completely annoying) to others.