The first step in changing money habits is taking a cold hard look at your financial input and output. (entrepreneur.com)
When that happens, it's time to take a step back, take a cold hard look at reality, and double down on due diligence — references, visiting their office and spending more time with them to observe how they function. (entrepreneur.com)
You have to be willing to do a post-mortem on what happened and take a cold hard look in the mirror to learn from the experience. (entrepreneur.com)