Learn to earn. Consolidate finances. Improve financial literacy. restructure debts. cut back on unnecessary expenses. Learn to save and, learn to spend savings on what has the potential to generate value, not dispose of it.

Get a job. Another job.

Find ways to be able to earn and put extra away and most importantly, be prepared to invest it and consistent in your actions. You might not be where you want to be today, but in three years from now, I really hope that you are a hell of a lot closer and glad that you recognized,

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The years 2020-2022 have been excellent for doing the things you suggest. For many of us, priorities just changed, so that was a major factor in making those adjustments.

There are still 2 things we need to do: pay ourselves first, and save for a rainy day.

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