It's pretty accurate. I am alomost in this exact situation. I have been working hard, but kind of let the victim mentality prevail. You absolutely have to have a different mindset and realize that everything else are just excuses keeping you from winning. To get out of the cycle, you have to hustle harder than ever before. In places that are fortunate to have technology there really are no excuses to find some way to get ahead. Most people will give up and go back to what's comfortable. You will never have the life you really want if you punch a time clock for 40 years, working for someone else's purpose.