In the same spot right now. But perhaps you’re asking yourself an evasive question. There is something you’re doing wrong that you should fix, and you’re probably being too lazy to fix it. Just fix that, make money if you can, and then you’ll find out if you actually deserve money. IMHO, I’m pretty sure money will make a huge difference is your quality of life; better health, education, travel, contributions to your community and what not.

I do, but for some reason I also overspend. Best solution I’ve found is to invest back in my own ability to make more money: courses, coaching, handbooks etc. Best ROI.