pov:you're 45 with no pension & a lot of debt

I'm 45. I don't have a pension. I have a ton of debt and I don't own my home. And from the response last video about this, it seems much this. So I myself, one year to fix my finances. Fix my finances. That's past, present, and future. Now when I have debt, I'm talking about shamefully big numbers, which I'm going to get a lot braver to actually say out loud. But I will be sharing where I'm starting from in my next video. But for now, let's get into my plan. The first part of which is maximizing what I earn. Now I have watched so many videos of people talking about how they've made a ton of money online. But I've never seen anyone like it with kids in tow, closer to retirement, college, and literally no backup. And the thing is, women our age don't have time to waste or to get things wrong. But I refuse to believe too old or too late to figure this making online thing out. So I am trying it all. UGC, brand collabs, Substack, digital products, maybe, maybe even TikTok shop. And I will share everything with you so that you can see what's involved, what the potential is, and hopefully find something that you might be able to do too, even if it's just as a side hustle. But I have one rule. I am not hustling and I'm not putting my life on hold while I do this. I love working and I love being busy, but I refuse to grind or my doing this. I still want time with my kids. I still want to make memories. I still want slow mornings and days when I choose. Now, maybe I am being delusionally optimistic. But I actually can do this. So make sure you follow along to find out if I can. And come back for the next video so I can tell you exactly where I'm starting from and talk about budgeting.