why do people seem to have no money or struggle to save?

Because of a lack of prep, many times people are forced to rack up credit card debt to pay for the expense or get tons of late notices with extra fees thus essentially getting stuck with more and more bills, costing you a chance to stack that money away.

I know it can be tough out there. Stagnant wages, climbing student debt, job loss, etc. Everyone has a unique situation, but many also would be better financially off if they did this one thing. Do you know what it is?

Live Below Your Means.