Credit is an 'I love debt' score.
A budget is telling your money where to go instead of wondering where it went.
Enabling is the enemy of motivation.
Broke is normal. Why be normal?
There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.
Money... is like a beautiful thoroughbred horse - very powerful & always in action, but unless this horse is trained when very young, it will be an out-of-control & dangerous animal when it grows to maturity.