I remember when my friend here in Spain, telling her about the situation in Argentina, said to me: Only a Spaniard who lived through the war and hunger can understand you. I was left wondering about that... I didn't understand what I was telling her, how people live, the conditions and so on. Maybe he is right.
I have no debts or mortgages and that is good and at the moment I am working hard, my family and I to progress but above all this last time to have all the papers in order, this year has been one of order and programming and everything is going very well.
I think the solution as you mention, is to work hard, and be proactive. But many people live for the moment and don't care about anything else, I see it every day.
Having no debt or mortgage is a good thing indeed, but having to pay rent isn't and so many do that, paying off someone else's mortgage in the process. Home ownership is a dream rather than a reality for most and people tend to live day to day, week to week, even those without mortgages. Saving and investing isn't usually high on the list of priorities for many; iPhones and instant gratification is more attractive for many.
This is absolutely true. I'm still paying rent but I'm planning on owning my own home, I hope it happens soon, it's my main goal. I always set small goals for myself and I'm always climbing up the ladder.
Small goals are better than no goals. ✅
I reach one, and then I set my sights on another, and so on to the biggest goal.