it seems to me one of the problems is also that many people ineptly spend their money. That is, they lend themselves to a momentary weakness in the store and can spend the money they could save.
I remembered a very wise phrase from one financier: "When you save - you pay yourself"
I believe that every person should open his mind for big earnings, because this can change his life for the better. If you do not have the opportunity to earn a lot on your work, this too should not be an obstacle. You can "pay yourself" and later open up your small business.
It is necessary to put big deli, but to go to them in small steps, so you will gain experience and not waste your vital energy.
Alcohol and narcotics are a separate topic for conversation, but this is definitely something that will destroy your life and the lives of your loved ones.
Your tips are terrific of you can get a good financial consultant :)