Sure, the first year (or two) of COVID were wretched, but most of those barriers have since cleared — yet I’m still struggling. I’ve noticed the same with a number of people within my family and neighbourhood.
How are others feeling? Are you struggling, yet succeeding? If so, how are you breaking through?
Money is time. When you spend all of your time and energy focusing on working, eating, and sleeping because you’re too broke to do anything else, it doesn’t leave you with much time or energy to care about christmas.