I feel like the standard financial advice is broken. I follow a budget, I avoid debt, and I work the extra shifts, but I hardly ever have enough to put into savings because my pay isn’t keeping up. It’s frustrating to be doing the responsible things, but still feel like I’m falling behind. Does anyone else feel like they’re doing everything they can and still not getting ahead?

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You’re definitely not alone. I’ve stopped blaming myself as much because wages just haven’t kept pace with real-life expenses lately.

Same here! The pay rises I get never seem to keep up with inflation.

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