I think the term "figure it out" can also be called or referred to:

Realizing you need to talk to God moment by moment.

Fear no man.

Be honest with yourself.

Be careful who "invest" your time with. I'm 72 one day you will wake up and feel life is very, very short. I should have done this, or that, tried this or that, gone here or there.

It's easier to do business with people in other Countries they are hungry, the majority of Americans are not.

Number one I would say at the very least even if you only have one penny, start a business it's more of a state of mind "I started a business" I have a business" "My new business is this or that". You can always keep your day job. But build something.

Excuses and procrastinating are similar.