If you're poor, you're already homeless and begging for work.

The sooner you accept that, the easier it is to move forward.

If you have a home and no money at the end of the month, you should be begging for work.

Complacency is the problem. It's easy to find a job and a place to live. A great majority of the population already does that. I've done it more times than I can count. Can you max your IRA, though? Can you really support your family? Do the kids get regular haircuts? Do you have time to cook every day? Do you contribute to a 529 plan for their future education?

I would rather an income, retirement contributions and a vehicle than be house poor. I've never, ever gone without a vehicle. It's an absolute necessity and can be lived in easily for significantly less than a house. I'll never be able to really afford children, so I won't have them. These are logical conclusions, unfortunately. I've accepted them, despite not being super appealing.

The easy life is hovering around a family in your hometown, barely making ends meet and bitching about politics and global economic problems. It's easy to look forward to the game on Sunday and the 7 familiar faces that are showing up to check out your new air fryer. That's definitely not super appealing to me.

It would be great to have come from a wealthy family. I didn't win the genetic lottery.

We only get so many rotations on this rock.

Time to make the best of it.