<prompt> Human: Throwaway account.First, I realize its 10 years from now, but theres nothing to suggest things will change. Not married, no kids, no savings of any kind. Im a month to month guy who doesnt make any money and am usually an eyelash away from the street. If business goes really well for a year I can stash 1000, but, usually circumstances force me to spend that savings. My debt is composed of medical, car and house, which isnt paid off and am essentially upside down on it. No credit available to speak of, no inheritance, no family help, other than maybe staying with someone to stave off homelessness if it ever came to that.If theres anyone else in a similar situation, advise me how to obtain a positive mindset in order to deal with the fact I will have to work until I drop. On the other hand, if I am able to put away money for say 10 years, would there be any hope of establishing a decent portfolio?Assistant: Thanks for all of the thoughtful responses.Several points were brought up that Ill address;Yes, Im eligible for social security, but Im not counting on dollar one from the govt by then. If it happens, itll be a bonus.I still try to save and even have an account at a different bank for that sole purpose in the hopes that will help prevent me from dipping into it.Is it an income problem? In the sense that I cant get to where I want to be? Then yes. However, Im at the highest point I can be across my industry. Now, I say that, theres always potential for more and I try to hit that level, but after years, Ive just become resigned to my place. I seriously looked at returning to school to complete a 4 year degree but, again, too expensive and no means to come up with funds. I suppose I could explore loans and grants, but I know in my position right now it wouldnt be much, if anything since my credit is so poor.As for trades and the like that I could pursue at the library or online for free, that is a valid point, but Im not the best at being self taught, but at this point, its worth a look. What might some other opportunities be within that scope?No, cant rent rooms. Yes, could get maybe get a part time job, time restrictions are the devil here.It was mentioned to write out a budget and I did that last year. I do my best to adhere to it. I would add I would be far worse off if I hadnt implemented that tool.My home is modest and the good thing is my job is transferable which is an option I am currently exploring although, it looks to be much the same. However, a change of venue may help me mentally.A retraining facility was mentioned. Im not sure what that is, but Ill certainly look into it and see if its applicable to me in any way.Seems like a school for old guys with passé skills?At this rate, my house would be paid off when Im 67 I think so theres that.Up until last year I was debt free sans my house, but I had medical issues and I knew it was coming and it set me back, forever, it seems. On top of that, I had to get a new car last year as my old one was on deaths door, so 15 was detrimental to me. 16 isnt much better as now owing the IRS is in the mix. I usually pay all at once, but because of last year, I dont have a dime to give them, so Im sure that will be an endless debt as well.I mystery shop on the side, do the coupon thing and that whole nine yards. It usually amounts to me paying my flood insurance and association fees at years end, which certainly helps.As for the day to day, its not that bad in the sense that I dont long for food by any means, have gas in my car, gas heat and electric all the things we take for granted from time to time. The outlook and what if is whats killing me and I know its somewhat defeatist, but facing it alone with no potential uptick is quite depressing.I sincerely appreciate the thoughtful advice and look forward to more input.Thanks guys, makes me feel better to know at least someone listens.  <response>: Is it an income problem? In the sense that I cant get to where I want to be? Then yes. However, Im at the highest point I can be across my industry.The curiosity is killing me. What industry are you in such that the highest point in said industry is barely able to provide for a single person with no dependents? 