have been working in it for 15 years and been blessed. If I would have tried to do the same in 1980s there would have been no market for what I do. The fact that technology has escalated the way it has the last 25 years has created opportunities to create businesses for me and others who can't write a line of code.

I appreciate hard work - its the #1 factor I look in for partners, more than intelligence or anything else. But it doesn't create a multiplier like timing does. Timing takes you from good returns in a business to wealth as an individual very quickly.