One of the hardest things you can do is think for yourself, free from outside influence.

Making your own decisions, especially life-changing or financially significant, takes courage and conviction.

But like anything else, the more you do it, the better you get at it.

Avoid self-proclaimed experts or gurus - few are.

Search for the best people in their field and learn from them. They may be hard to find, but once you do, their expertise is unmistakable.

The most important decisions are the ones you make for yourself, guided by what you've learned.