in one word.
money.
cash in and cash out. at 58 things keep happing that put my back into debt. just this month a $4000.usd repair bill for my truck. got some bills to pay off. and then income. pension comes online at 65 for me. ( age + years, it's a union thing). and ss payout 100% at 67%.
i should get somewhere between $3000. and $4000. usd a month (gross). net ???.
i have worked hard all my life ( started at age 10) but had three years total off due to a crushed leg, neck surgery, cancer. when i retire i do not want to work again. would like to enjoy life at my pace. no worrys, about bills, or where i park my home.
so money drives it all. if i could be set up today for no money worrys. i would not go in work on thursday ( my monday).