You must assume 100% responsibility for your financial life. If you're going to improve your situation, you have to put the full burden of doing so squarely on your own shoulders. First and foremost, you must hold yourself responsible.

Are you one of those people who notices the problems of the world and says ... somebody ought to do something about that? Why not you? If you feel a strong urge to see a problem fixed, then why not act on it?

Tackling challenges that are too big for you is what makes you grow as a human being. Why do you think this problem keeps coming up in your life, staring you in the face? Do you think you're supposed to ignore it and hide from it and wait for someone else to solve it for you? If you notice it, you own it.

If you don't make a conscious choice... someone else will decide for you. It may be your boss, a family member, an advertiser, a collective social influence, or someone or something else, but it won't be something of your deliberate choosing.

If something is important enough to you that you feel the urge to donate your money or time to it, I think it's best to try to express that form of giving through your career, not just as something you do on the side. If you enjoy your volunteering and charitable activities more than your career, it means your career is in serious need of an upgrade. In my opinion your career should be your best outlet for giving.

Waiting for clarity is like being a sculptor staring at a piece of marble, waiting for the statue within to cast off the unneeded pieces. Do not wait for clarity to spontaneously materialize-gra b a chisel and get busy!

You are too free and untamable to be labeled.