Let's be realistic here and let's remove the thought that money isn't everything. Yes, you can be happy without money if you can really accept that idea and live with it. There is nothing wrong in living without money, what makes it wrong is you don't have money and you keep complaining that you don't have one. According to survey 94.3 percent of the people around the world said that they can't live without money. That was a pretty huge percentage.
So if you really wanted to live a very good life then you should check what you are doing with your time and money. That is what it is all about, it is about managing your time and money so you can have a better tomorrow. You can't just waste your time and money and hope for a better life, that kind of mindset will lead you to nowhere.
You have a lot of time especially when you were still young, even if you were already at your 40s, you still have a lot of time. You can still do a lot of things that can give you success. So what you need to do is think about what you are doing with your time, think about it carefully. Be honest with yourself, if you are bumming around and wasting your time for stupid stuffs then you have to admit it and then change it. And never cover up your bad habits and retain it in your life because by doing that, you will never ever be able to change your life forever.
We all have 24 hours a day, the difference between a successful person and a failure is the successful person uses his time very well, he never let a single second be wasted. He uses it for his family, true friends, business and self improvement. He never do anything that will put him on a bad spot. He enjoys the process and he loves working a lot. He is very careful with his time because he knew he can never take it back. Unlike a person who is poor and doesn't know what to do with his life, he will waste a lot of his time for useless activities such as hanging out with wrong people, engaging in bad activities such as gambling, drinking a lot, watching TV a lot and any other useless activities that will not give him any benefits. He thinks that he has a lot of time and he always promises that he will do better tomorrow which will never happen. And in the end, he will live a miserable life, a life without direction and progression.
How about spending your money? how do you spend your money? are you spending it for the things that will make your life better? It doesn't matter if you are rich or not, it doesn't matter if you have a lot of money or not. Having a good life has also something to do with how you spend your money. Poor people, everytime they earn a couple of bucks, they will use it to buy some stuffs that they don't even need. Their happiness purely rely on instant gratification, they never look for the bigger picture that is why they were always short on budget. They never save money because they always thought that it is useless, they always thought that saving a couple of bucks will never give them an advantage. That is why when there is an emergency that struck their life, they don't know what to do, they will lend money from other people that will make them even poorer.
Being rich is hard and takes time but living a decent and comfortable life is very easy. All you have to do is save some money, don't spend it to useless stuffs. Don't be like everyone who is acting like rich just to impress people. Stop adding liabilities into your life and be happy with what you have. Sacrifice for a little bit until you create your own business, start with small business first then make it big. You don't need to become rich to become happy and live a comfortable life, all you need to do is have some money when there is an emergency and have some money to get your daily needs. Very simple yet people don't want to do it.
Learning how to manage your time and money will make your life very easy and comfortable. You don't need to earn a degree to have a very good life, just do what is important and will make your life better. Just spend your money for the things that are really important, don't get addicted to fancy things because at the end of the day you will never be able to use those shits anymore, it won't save you if you have a very huge debt. You don't need to become intelligent to have a good life, you just need to live smart and make good decisions.
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