You can know everything there is to know about paying off debt, saving, and investing or anything to do with money, but it means nothing if you don’t have the right mindset.
When I say the right mindset, you simply need to believe that you can be successful with money. If you don’t have hope that things can get better than they are today, you will be far less likely to be financially successful.
I believe that the most crucial factor in developing the right money mindset is to have a powerful “why.”
Check out the YouTube video on finding "your why": https://www.youtube.com/watch?v=p6Y7GeF3L7I
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What's Your Why?