Over Thinking vs. Due Diligence

by Jayne Kopp on January 19, 2011

Over Thinking vs. Due Diligence

Over Thinking vs. Due Diligence

Over Thinking vs. Performing Due Diligence.

During my tenure as an internet marketer, I’ve come to realize how many people dismiss opportunities by over thinking and confuse their thoughts (or truly believe) they are performing due diligence.

Treading ‘carefully’ is necessary when considering any online endeavour and most reasonable people in our online industry will always encourage potential partners to perform due diligence on a business opportunity rather than dive in headlong. After all it’s the smart and sensible thing to do.

So, what is due diligence you ask? :-)

To perform due diligence, while there are a couple of ways you can use the term, when used in the context of choosing a business venture, it is to ‘investigate’ and perform research as to the legitimacy of the venture first and foremost.

Of course there are other factors to analyze during this process – such as past history/back ground, the structure of the company, the economic and personal value, etc.

The business opportunity also should also be in line with your own personal values, and interests; as well as it’s important to weigh your passions and personal feelings about it.

If the outcome of the above sits well with you, it’s never a bad idea to actually talk to other people involved in the same business opportunity for additional feedback and points of view.

In other words, ‘due diligence’ is ‘making sure’ and is a smart checklist to follow.

Over thinking however, is something quite different.

“Over thinking” I feel, has more to do with personal confidence, ambition and knowing yourself in the way of capabilities, determination and the seriousness of your intentions or desires to reach your goals.

I’m not saying that ‘thinking things through’ is bad, but “over thinking” can in many cases hold you back from so many life experiences and positive future personal and financial changes.

Since I’ve gotten a little older, I have noticed that even I too tend to ‘hammer things out’ more than I did when I was in my prime. (BTW I’m not in a rocking chair knitting yet!) ;-)

As a teenager however, I just ‘did’ things. I always thought things through and performed due diligence, but once I was satisfied with the risk vs. gain factor and weighed the pros and cons… if I knew it was something others were doing, I knew I could too and I simply took action.

I feel that overtime, we can tend to become a little too complex and over analyze things to death and in essence over complicate things unnecessarily.

In talking with partners and potential partners, I’ve found that so many people ‘dig’ for a way out – or a reason not to taking action and I now wholeheartedly believe in most instances, it is their fear of failure holding them captive in a state of analysis paralysis.

So many folks are itching to make changes, can afford to invest a little into their goals, yet have trouble uncovering their personal power due to lack of confidence or perhaps… may not feel they are worth the risk.

The excuses often range from lack of knowledge, not being technical, shortage of time, being shy, or even comparing themselves to another successful person and feeling they may never measure up.

I just feel it’s a shame to allow over thinking to stand in the way of ‘what could be’ if you simply applied yourself. All it does is create false fear and insecurity.

When choosing a business opportunity myself – I had to ensure I remained objective and didn’t confuse performing due diligence and over thinking as well.

Because I know this human roadblock exists and because I know there is this fine line – I often ask the following questions:

1. Do you question the legitimacy of the company?
2. Is the investment holding you back?
3. Do you find the genre of the company unappealing?
4. Are you feeling hesitant because you’ve had no experience?
5. Is the company in alignment with your interests?

In most cases there is never a question of legitimacy. Often the investment is not an issue either and the company almost always aligns with their interests as it is what drew them to the opportunity in the first place.

The feedback to my questions almost always spells out the fact that over thinking or underestimating their own abilities is often the clincher. Funnily, many people don’t realize it until I point it out.

My own personal view on selecting an online business opportunity is that so long as the company is solid, is harmless and doesn’t take advantage of others, the personal rewards are at least at par with the possibility of financial rewards and it adds value to the lives of others (regardless of what it is) …. Life is too short to allow over thinking to hold you back.

As I’ve mentioned before we all need to live more in the moment and more in faith than fear and DO the things we dream of while we can! ** End of Rant** (sorry :-) )

I’ve said this before too: “We all start in this industry knowing nothing and have to learn the necessary skills to get the ball rolling”. With all of the support available these days (much of it for free) from many other awesome online entrepreneurs – you’d be surprised how many people will help you along.

I believe everyone has the same opportunity of reaching their desired goals, after all thousands of normal, average everyday people prove it daily by knocking the ball out of the park!

In conclusion, DO perform due diligence but DON’T let the habit of over thinking hold you back. Life is full of tremendous possibilities and occasionally we have to take the odd chance to uncover hidden talents, treasures and rewards. Besides, you’ll never know what the future may hold if you don’t take the plunge!

Would you agree with me… or do you see yourself in this post? Leave your thoughts below!

{ 9 comments… read them below or add one }

Ryan Biddulph January 20, 2011 at 8:32 pm

Hi Jayne,

Spot on post and the reason why so many procrastinate when it comes to selecting a home based opportunity.

Using the words “Due Diligence” to cover up your fears only retards your progress. You want to get all the facts before making an informed decision, so you research for weeks. Months. And yes, in some cases, years.

Meanwhile the person who hit the ground running made plenty of mistakes in the beginning. They did a minimum amount of due diligence – enough to ensure the legitimacy of the operation and sponsor – and fully committed to their home based business. While Mr. Due Diligence is doing their homework a year later the 2nd dude is making 6 figures with their business.

Some stand on the sidelines of life by trying to over-intellectualize things. Others get in the game. They might mess up, they might misjudge a situation, but eventually they sprint past the people with “book smarts”because they acquired the minimal amount of knowledge to move forward, and moved!

Thanks for sharing your insight Jayne.



Jayne Kopp January 20, 2011 at 9:17 pm

Hi Ryan, thanks for expanding, you took the point exactly as I had intended and related it to business. I don’t think there’s any personal satisfaction in over-thinking… like you say the ones who perform true due diligence then take action and leave the rest in the dust. Thanks so much Ryan!


rowenabolo January 20, 2011 at 7:58 pm

Hi Jayne,

It’s funny how people mistake due diligence (DD) with overthinking. I like the points you raised here, which can help us distinguish these two.

I also agree with Oliver that DD should be easy and shouldn’t take much time if you know what to look at…

Sometimes, a little guts is all it takes. Most successful entrepreneurs pursued opportunities that were presented to them, even without knowing all the HOWs. They based it on intuition and experience, and it worked very well for them.

Thanks for this wonderful post, Jayne.

- Rowena


Jayne Kopp January 20, 2011 at 9:21 pm

Rowena, I too agree with Oliver. DD shouldn’t take much time. It should be swift and succinct… then as you say… get the guts and jump in. When I started knowing little more than sending and receiving emails… I knew that sometimes you just gotta go-for-it. (so long as the legitimacy is there of course!) Thanks Rowena!


Kesha Brown January 20, 2011 at 5:55 pm

Jayne, I found myself in this very quandry a little while ago and had to understand the difference before I died the death of analysis-paralysis!

This is a great distinction as I find that over-thinking does lead to procrastination like Golda mentioned. Excellent article for me to read today ;-)


Oliver Tausend January 20, 2011 at 11:49 am

Hi Jayne,

you are right that many people die the slow death of analysis-paralysis.

Due diligence is easy and doesn’t take much time if you know what to look at.

From what I’ve seen so far I believe that most people think about the wrong stuff when they make a decision which business to join.

Some others don’t think anything and are put under pressure by smart copywriters who know which buttons to push. (I was there as well.)

I am already done with my due diligence if someone operates with a scarcity strategy or upselling pop-ups – that tells me everything I need to know about this “opportunity” without any further investigation.

Once people know what to look at they can make their due diligence in less than 30 minutes.

Thanks for sharing your insights.

Take care



Jayne Kopp January 20, 2011 at 9:27 pm

Thanks Oliver once again for taking the time to comment. You are bang on with regards to Due Diligence does not have to take long. It can be done very quickly and as you say… you can often judge a book by it’s cover ie: upselling and pop-ups!!

There is nothing worse than seeing the ‘death by analysis paralysis’… what a shame that so many miss out! Thanks Oliver!


Golda Smith January 20, 2011 at 7:54 am

Hi Jayne,

What a great comparison. When people over think, what they are really doing is procrastinating. Why? Who knows, but that act of procrastination will keep then stuck and repeating the same habits and experiencing the same situations that they find unrewarding.



Jayne Kopp January 20, 2011 at 9:29 pm

Golda, you are right… and often the reason they procrastinate is because they question their abilities. Its sad so many have such little faith. As you say they will be stuck repeating and repeating and may never have a taste of positive change! Thanks Golda!


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