Picture the regret: Years pass, and you look back with regret. Your energy is drained, savings are tight, and your dreams feel out of reach. Financial stress intensifies, jeopardizing your relationships and health. Without direction, stagnation breeds misery, and financial fog. Bills mount, opportunities vanish, stress eclipses purpose. You grind, but for what? A paycheck that quits when you do? Or are you living on credit and mounting debt?