I think it's impossible to be rich or financially stable when your expenses are higher than we you get or earn, such person will be always be in debt when spending more than you earn Because for example you earn 100$ a week and spend 120$ before weeks runs out you will see that you are already too more harm than good to your self so if there is a way such person will cut down his/her expenses so what he/she will earn will be bigger than what is been spent this is the one way one can gradually improve and be financially stable and also find a means for other sources of income in other to permanently defeat poverty.