Years ago Seth Godin wrote a blog post about the biggest risk we can take is to avoid taking risks. Not all of us have money that we are willing to risk in business ventures. But all of us have time, effort, and reputation that we can risk.

If you spend your time on something. If you apply yourself with real effort. If you become willing to “put yourself out there” and have your family and friends mock you, you can do just about anything that your money investment could do.

Take the risks that you can take. Take all the smart risks that you can take and you won’t regret it.