We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.
Each cent you apply toward diminishing your debt replenishes you.
It's better to do nothing with your money than something you don't understand.
As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it.
Who would you want to be giving you advice? Somebody who doesn't have any money?
You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.