I sucked at it for a long time but buckled down a few years ago. Started with paying down debt, then a little bit of silver stacking, then dabbling in Bitcoin.
My car's almost paid off, less than a thousand on my credit card, ready to be rich. But, meh, will settle for not being poor when I retire.
Me too. When I was younger I spent more than I had and wasted 2 opportunities to put away some wealth.
I did much better a bit later.