Before you decide to hate me, understand I know what it’s like to be broke, and worse than being broke I know what it’s like to just barely get by month after month.
You are having money issues because you have money issues. Here are a few of them:
1. Living with mommy
Most Americans live within 25 miles of their mothers. If you want to make real money, it’s time to disconnect from mommy and all things familiar. It is time to move away and go where there is opportunity. You aren’t saving money by still living at your parent’s house—you are missing opportunities.
2. Economic illiteracy
Most people are economically illiterate. People are going to college and don’t even understand basic economic terms. Economy is defined as household management or management of resources. Manage means to be in charge and succeed in surviving, especially against heavy odds. To manage your own economy means you have to create money by playing offense in the marketplace.
3. The budget blockhead mindset
Spending all of your time trying to budget money is a way to guarantee you never have money. Your daddy told you, “A penny saved is a penny earned,” wrong, it’s just a penny. Having a budget blockhead mindset means you are playing defense, not offense.
4. Politicians, the Easter Bunny, and Santa Claus
This idea that a politician can save the middle class (you) has been tried, tested, promised and failed for the last 50 years. Almost every economic indicator has worsened. If politicians could save the middle class they would have already.
5. Financial apathy
People have become apathetic regarding their finances and quit looking at it. You can’t have money if you don’t pay attention to it. Admit to where you are financially and start paying attention to your money. Acting like there is no problem doesn’t make the problem go away, it makes it worse.
6. Entitlement issues
The unwillingness to do the jobs no one else wants is why people don’t have money. The entitlement problem is not just for the lower economic level, but hits all the way to the top. Everyone wants to be the director, CEO, the manager, the writer—well, guess what? Someone has to do the selling.
7. Poverty comparisons
The idea that your financial situation is better off than someone that is starving does not make your financial situation any better. Those just getting by try to make sense and justify their financial situations by finding others that are worse off. That’s financial suicide.
8. Nine-to-five bitching
I work 95 hours a week and most people complain about nine-to-five schedules. If you aren’t working and thinking about how to get ahead before during and after work, you aren’t getting ahead. I have never known anyone that was financially successful that wasn’t all in all the time.
Money isn’t the most important thing. It won’t make you happy. But neither of those truths makes it OK for you to not have money to take care of your family and create the life you want.
Related: 3 must-have views toward money
Copyright 2015 Entrepreneur Media, Inc. All rights reserved.
This article originally appeared on Entrepreneur.com. Minor edits have been done by the Entrepreneur.com.ph editor.