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Best Answer Grace Marguerite Williams says
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M. T. Dremer says
Not a failure but wiser. Compare yourself to a few years ago. Then is a few years compare yourself to now. My financial situation compared to 10 yrs ago is way better, not what I want it to be but better
Paul Edmondson says
Pretty much. Considering the dumpy Nowheresville I live in, the prospect of simply earning more money is positively laughable.
I have a personal philosophy: if you can't raise the bridge, lower the river. That means trim your expenses if you can't increase your income. If I can increase my income, I apply it either towards building up my emergency fund or paying off a debt.
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