I'm sorry to hear that you've been working for over 20 years and still find yourself in a financially challenging situation. There can be various factors that contribute to this circumstance, and it's important to assess your specific situation to identify potential areas for improvement. Here are a few possible considerations:

Career Growth: Evaluate the trajectory of your career over the years. Have you been able to advance in your field, gain promotions, or acquire new skills? Sometimes, stagnation in career growth can limit income potential. Consider if there are opportunities for professional development, additional training, or seeking new job prospects to enhance your earning potential.

Market Demand: Assess the market demand for your skills and expertise. Industries and job markets can evolve over time, and certain fields may become more competitive or face lower demand. Research current trends and consider if there are emerging sectors or areas where your skills can be applied to increase your earning potential.

Financial Management: Review your financial habits and management. Are you effectively budgeting, saving, and investing your income? Poor financial management can contribute to ongoing financial difficulties. Seek advice from financial experts or consider taking courses on personal finance to improve your financial literacy and make informed decisions.

Additional Income Streams: Explore opportunities for additional income streams outside of your primary job. This could involve starting a side business, taking on freelance work, or investing in ventures that have the potential to generate passive income. Diversifying your income sources can help improve your financial situation.

Networking and Connections: Networking can play a crucial role in career and financial advancement. Actively engage with professional networks, attend industry events, and connect with individuals who can provide guidance, mentorship, or potential job opportunities. Building a strong professional network can open doors and create new avenues for success.

Seeking Professional Advice: If you're struggling to identify the specific factors contributing to your financial situation, consider seeking professional advice. Financial advisors or career counselors can provide personalized guidance based on your circumstances and help you develop strategies to improve your financial outlook.

Remember, improving your financial situation takes time and effort. It's important to stay persistent and proactive in pursuing opportunities for growth and seeking support where needed.