Non-millionaires (or non-millionaires to be) use time and money as objections for getting what they need.

Millionaires (and those to be)get excited, invest and are over-the-moon if they even learn just ONE thing that will move them forward.

If you SAY time is your issue: change what you are letting yourself be a victim to in your life.

If you SAY money is your issue: then you really really need that thing you are making an excuse not to invest in.