Where are you and where are you going?

Financially where are you and where are you going is a great question.  I have spent many years struggling just to maintain my basic way life.  I have never been good with money and have always been a spender.  Perhaps it was my life experience with being homeless and my idealism that things can always be worse.  If I have money available, I will either give some to the person on the corner because I know where that person is at, or I will get something I want because I have been without and know right now I have more than I could ever need. My wife, being a saver, tries hard to put money away but our lifestyle often finds us juggling bills just to make it from paycheck to paycheck.  I currently work more hours in one week than even I can keep up with but see little return.  I am confident that soon I will be able to start putting away money for my retirement but I have a large amount equipment to get before I can fully appreciate the extra money that I would otherwise put into savings.