<prompt> Human: Im currently working a 15hr job. Im a pharmacy technician with a b.a. in psyche. Ive applied to a social worker position with the state that pays better but thinking of going back to school for respiratory therapy. My wife is a graphic designer making 48k. No kids. Currently paying down credit card debt. Not living lavishly. But we just dont have a savings due to my lack of good pay. What can we do to start building wealth beyond what Im already doing? My end goal is to pay off credit card debt and start my own business. This just feels like a dream Im chasing that Ill never catch and Ill always be behind. I dont want to be broke. Im sick of it.  <response>: The answer is the same at any age. Spend less money than you earn, significantly less. You can accomplish this by earning more or spending less. You seem to be focused on the first but theres probably room in the second column as well. Read the sidebar, pay down debt, and good luck! 