Seeking your ideas: What drives you crazy 😖 about managing your personal finances 💸?

Answering anonymously because this is a public post:1. The biggest unanswered personal finance question I have is "Will I ever be able to actually own a home in the United States and have money to retire there?" and if the answer is "No", what I can do instead. I find a lot of people, when I look into this question, to be very optimistic and positive, but I also think they're blowing smoke. I don't think their answers are realistic, but maybe I'm just being pessimistic.2. I am most burdened by the idea that I don't have "enough" and that I will never be able to make enough to be "free" or even to try for my own business.3. My top pain point is a fear of debt. I would like to be debt-free and financially independent, but I don't think I can actually achieve that goal where I am currently, and don't know where to look for long-term planning.4. My core motivation is fear. I've seen and experienced things I don't want to go through again, and I don't want to repeat the mistakes of my parents. 5. As a woman I am much more concerned about being in a class tailored for people from my own or similar economic background than I am about sex or race. I've tried to take financial education courses before, and usually I find they aren't a good match for my needs. The ones tailored "for women" have been caught up more in stuff like budgeting for childcare and how to face challenges based on gender; while the ones that have been "for both" assume a certain level of income and/or a certain cultural background that does not align with my needs.
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Thanks so much for sharing your perspective. Have you looked into Ellevest? If so, curious what you think of them and if something like that matches your needs from long-term planning. I think they are trying to help people across socioeconomic levels and they do advise on debt.