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Nice nice. How old are you again? :p

This part needs more numbers!

Really? How did you come to that conclusion?

Lol! Every track team, rowing team, cycling team, swimming team in the world trains in the mornings.

Same here :p

It's exactly like saving up for first property deposit. Kinda painful and boring - but once ya get into the swing of it, it becomes automatic and fun.

Just gotta find something you enjoy - for some that's a sport or cycling or weightlifting or whatever. Its akin to investing - chip away at it for many years for an end result. There's also as many diets and excersize routines as investment strategies so find something you enjoy and rest takes...