ZERO dollars? What about negative income, as when expenses outweigh what you earn?

I like your points. The scheduling in time has been one of the hardest for me and you are correct that without it I've had lots of gaps in my writing. I'm finally, finally getting into a habit 8:30 to 9 AM, that's my writing time, unless I've done it earlier. It seems to be working.

Onward I go. Success is inevitable.