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What does it take to "change" yourself, your situation, your future, or your family? Do realize the reality of the situation that you find yourself in? Have you researched and developed a personal finance plan? You must read, study, ask questions, and do whatever else it takes to understand your very own "personal" personal finances. Ignorance is not "bliss", it is "dangerous". Focused, intense study and thought lead to knowledge, which leads to change, which leads to growth. You cannot change what you do not know needs changing. Once you have knowledge, you have more than just "power". You have the ability re-align your priorities and literally shape your destiny. ou must put both to work through ACTION. Knowledge without application is USELESS. Don't draw up 50 plans, don't invent a dozen scenarios! Do your research, make a plan, and move forward. You can always "change" directions as you gather more and more desire and knowledge, but you will NEVER get anywhere by standing pat. Just as desire without knowledge leads to futility, knowledge without action leads to frustration. JUST DO IT!