I grew up in a home where the combined income of my parents was no more than 30k. I went to 3 elementary schools, 2 middle schools and 4 high schools because we kept getting evicted for not being able to pay rent and had to move neighborhoods. I used my community college financial aid on this last hope of mine and made a nonnegotiable decision with myself that I was going to make this happen, not merely “try”. I think this all starts with a vision of something better. You have to believe that something better is possible for yourself. If you don’t see it in your mind how can you expect to actively create it? Don Habits is the mad scientist mentor you need on your shoulder to guide you to financial freedom, absorb everything he puts out and you will find yourself thinking like him, and thus acting like him and getting some tangible results.