The old textbook sentence...Your mind is a magnet. If you think of blessings, you attract blessings, and if you think of problems you attract problems. My opinion: You alone (depending if you are religious or not) can make things happen. If you continue to self-doubt, not get out of your comfort zone or don't take calculated risks, you will have zero chance of growing or have any chance of changing your future. This is not just relevant to your financial freedom, but also freedom of your fears and irrational thoughts about your personal abilities to do anything you put your mind to. Set goals daily, focus on achieving them!