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Instead of judging can you accept where you are and make a plan to help you get to where you want to be.

Set monthly goals, cut unnecessary expenses that aren’t vital, and save much more than you spend overall. You got this dude!

I agree with the others, certainly something I have had to do. Write up a budget, post it where I can see it everyday and try my best to stick to it. Plus it allows me to see where my money is actually going. You can do this. WE CAN DO THIS!!!

Just keep doing what you have been doing to get to the amount that you have saved, and you will get there. I heard someone say pay yourself, as you do with bills. So instead of giving a store or a credit money fo buying un-needed items, for example, use that money to pay yourself. It is so hard to do so, but you will be happy at the end.