How do rich people think and act?
Rich people believe 'I create my life.' Poor people believe 'Life happens to me.'
Get really rich and then help the people who didn't have the opportunity you did.
Saying "I'll start managing my money as soon as I get caught up" is like an overweight person saying "I'll start exercising and dieting as soon as I lose twenty pounds."
Money will only make you more of what you already are.
Practice being in the present. Do what you're doing 100%.