Those are words beautifully spoken, Steve. I am "experimenting" with the idea of generating wealth for other people right now. I am in much the same situation (decent wage, but not enough to send the children to the school I want, more CC debt than I want, etc.), and the idea of "why does it have to be so hard" is understandable and even hard to shake, but doesn't serve me. The bulk of the work is to uncover the beliefs leading to this situation and turning them around into positive beliefs that make a contribution and create wealth. I'm right there near the beginning of this kind of work myself.