Save every penny you earn. Forget about all the extra stuff you think you need. Someone wants your money and they will never give it back to you. It is your ball so keep it in your immediate family (You and your children). Save your money until the weather is clear and sunny.
You do not have any of the benefits I earned. I may lose them but that is OK. I had a chance. You are not even given a chance.
Make the world yours. Feed your children and save your money.