The other thing is that it is WAY too easy to distract yourself from your solvable problems by focusing on the big ones - you have to fight that with ferocity.

Why get out of debt? The country is a brazillian trillion in debt we’re doomed.

Why invest for retirement or save? The market is fraud anyway.

Why exercise and lose weight? The planet is doomed anyway.

Why are you in debt? Why you need investment for later? Why are you overweight? It sounds like cause of problems are overlooked.