In the movie "Revolutionary Road" Kate Winslet's character, April Wheeler, tells her husband in frustration "It takes backbone to lead the life you want." That phrase rings true for me and many of the clients I work with.
Do you desire to get out of debt, stop working at a job that simply drains you for the majority of your life, just so you can retire one day?
If that's the life you want to live, have at it. But I'm with the camp that's chosen to act out on the parts of their life that are out of whack.
Wake up! If it's easy, it's probably not worth doing!
Go out right NOW and make something happen. Every second you sit there and do nothing you're going backwards.
Grow some backbone and LIVE!