Like many other people, I quite like the music of Lorde. Her popular song Team has a fabulous line in it, "I'm kind of over gettin' told to throw my hands up in the air."
It seems like much of America feels wants to throw their hands up in the air and give up on their finances. "I can't get ahead." "Everyone has credit card debt." "I'll always have a car payment." The sum of these, and similar statements, is the same: "There's nothing I can do to change my financial situation."
It makes me want to yell. "No, you're wrong!" "Don't quit." "You can pay off debt, you can build up savings, you can be in control of your money!"
I can say it, and other encouraging people can say it, but if you are surrounded by people who believe that finances are hopeless, it will be hard for you to believe that you can get ahead. Even worse, some people may not want you to be financially successful. I have a hard time understanding why that could be, but we all know that it is true.
Take a tip from Lorde, and don't listen to those people who think you should give up. You shouldn't. Keep working on your finances, paying off debt, and building up savings. It is so much better than "throw(ing) your hands up in the air."