Having a hard time reaching your goals, or even getting close? Don't give up!
The next big break may be just around the corner. If you give up now, all your hard work is wasted.
Your goal may be to become debt-free, everything but your home or including your home in 3 years. Three years may seem like a long time, but I guarantee it will pass if you choose to address your problems or not. Focus on the future and not your past.