help learning about personal finance. I’m broke at 35

Hey there,

Firstly, take a deep breath. I hear you, and I want you to know that it's never too late to start improving your financial situation. Life throws curveballs and it sounds like you've had your fair share. But you've taken the first step by recognizing the need for change and seeking advice — that's huge!

Now, onto some practical steps:

1. Budgeting: Start by tracking where every dollar goes. It might be a bit tedious but it's essential. Use tools like BearSavings' Expense Tracker to help you with this. You might be surprised where some of those dollars are sneaking off to.

2. Save First: A good rule of thumb is to save at least 20% of your income. If that sounds like a tall order right now, start with what you can, even if it's just 1%. The important thing is to make it a habit. Use our Savings Goals Tracker to make it fun and see your progress.

3. Destroy Debt: Tackle your debts systematically. Start by paying off the ones with the highest interest. It's like slaying a dragon, one swing at a time!

4. Grow Your Income: Look for ways to boost your income. Can you pick up a side gig? Sell some stuff you don't need? Every little bit helps.

5. Educate Yourself: I'm glad to hear you're eager to learn. There are some great resources out there. Books like "The Total Money Makeover" by Dave Ramsey can be a good starting point.

6. Change Your Mindset: Lastly, remember that becoming good with money is more about behavior and mindset than numbers. Your past doesn't define your future.

You asked if you're screwed. My answer? Absolutely not. It's going to be a journey, with ups and downs, but you're not alone.

Remember the old saying, "The best time to plant a tree was 20 years ago. The second best time is now." You've got this. Start planting those financial seeds today, and let's nurture them together.

Keep going, friend. I'm rooting for you.