TIME
When I hear a person say that they don't have the time and list the many reasons, I understand that that person has not yet figured out exactly what they are looking at here....  The lack of Time in a persons life should be an indicator that they need to do something about it.....  Lets take a look at how the average person's time schedule looks like...
I will be expanding this page, please revisit in future.... You won't regret it....
Above is a chart of the average person, you may want to adjust the figures just a little to suit you personally...

What this means is .... that the  average person has approxamatly  35 hours per week that they divide out over many other task, such as watch TV, Church, play with children, Date the Wife, Play a vidio game, surf the Net, and many other activities....

What does this mean, We spend more than two thirds of our time doing the things we don't always want or like to do, so that we can spend some time doing the things that we do want to do.....
Allow me to ask you a question, and I challenge you to seek out an answer.... Why do you do what you do?... Is it cause you like it, If so how much do you like it now, as compared to when you first started.....

Or is it cause it pays well....  if this is so, what would happen to you if you became injured, or could no longer perform the task you must to get your paycheck.....
Here is another question for you to think about, and that would be.... would you rather have 100% of one persons effort, or 1% of a hundred peoples effort?.... In the latter your able to leverage your time so that even while you sleep you are earning Money.  and if you earn money while you can sleep then, wouldn't it now be nice to do something now because you want to do it, rather than that you have to do it....

You see if you earned money to where you no longer needed to work, Your time circle would now be able to pay other people to do the things you don't want to, and no longer need to work, therefore more time for the more important affairs of life, like taking the vacation with the family overseas.....