I feel one has to be lucky to get rich before reaching 40. I have experienced this recently. I want to desperately have better finances this year. And I am working hard towards my goal. But it is getting harder as the time goes on. It is frustrating because I am moving towards new age group which would make me mid aged. And not being rich, not much traveled. I feel it's kind of frustrating. I hope my hard-work pays off and I don't get old then rich.