Wishful thinking is that you win the lottery or get a financial windfall that pays off all your debt and leaves you with a large savings balance. It will never happen. Plan accordingly!
What should that plan be? Analyze your expenses; create a Budget; and Commit to living within it. It’s as straightforward as ABC.
Yes, it’s hard work. But is being under the yoke of debt payments easy?
Shift your focus. Do what it takes to become financially fit. It’s well worth the effort!