At one point, I was dead broke, unemployed, $16k in debt, no college degree, no employable skills, and no employable resume to speak of.
Through proper (and often difficult) choices, sacrifice, and hard work, I was debt-free in just over 4 years. Further, in less than 15 years from that point, I now own two homes (one in Hawaii) that will be paid off within 3-4 years. Within the next 3 years I expect to be making a 6-figure salary.
It isn’t easy. I got zero welfare or cash from government programs. But it was worth the struggle.