The best time to plant a tree was 20 year ago, the second best time is now (Chinese Proverb)

Yes it would be great if we all were where we wanted to be in our lives, profession, finances, etc. The truth is that most of us aren’t.

Just because you aren’t doesn’t mean you can’t be. Take each new day, each new week, each new month and each new year as a fresh start and give yourself a chance to get there.

You can sit in a corner and cry about things you haven’t done correctly so far or get up and get on with improving things from wherever you are in.