[tomjen3]

That sounds like a solid plan, and I have tried it in the past but I always get stuck on the problem that I am too smart (or too stupid) to trick myself.

Or, and this may be worse, I look at the problem and say 'yes this would be nice, I like to be financially independent' and then take a look at what it would take to get there and then say 'but honestly the reward is not worth the effort'.