My job is to write newsletters. I get paid pretty much every day of the year, as new subscriptions and renewals come in. It is a fairly steady revenue stream.
Attaining wealth is harder these days, but in some ways, it is easier. I would not worry too much about it. Think about the future, or the future will think about you.
Usually, when I rank on Dave Ramsey, I get back the following: “Well, he has helped a lot of people, hasn’t he?”
One of the biggest requirements to be a successful investor is to be emotionally healthy.