Everybody is making money - Good money

Everybody these days seems to be making good money. All my friends and all their friends. Then their families and so on etc, etc.

I personally seem to be always struggling when it comes down to making money of any real value. I always seem to have bills that have big red writing on them and the phone is always ringing from debt collectors of one sort or another.

I think I am destined never to be out of debt. I do not think I will ever have enough money to retire and I really believe that if I am alive when I am 90 years of age, I will have to work at least two jobs to pay off what I owe.