At night, you close your eyes. Your connection to the world is severed, and for hours you enter a different state of consciousness, and in the morning you open your eyes again. Every sleep is like a small ending, and every awakening is like a small rebirth. Every morning, life gives you a chance to start over. But you don’t start from scratch. Yesterday’s experiences, your past experiences—they’re with you; yesterday’s memories—they’re with you; what you learned yesterday—it’s with you; and what you started yesterday—it’s with you, too.

And I think one of life’s greatest opportunities lies right here. You don’t have to repeat yesterday’s life or yesterday’s mistakes today. Let’s say you put something off yesterday—you don’t have to put it off today. You made the wrong decision yesterday—you don’t have to make the same decision today. If you hurt someone yesterday, you don’t have to act the same way today. If you were afraid yesterday, you might still be afraid today. But this time, you can take action despite your fear. Because today, you have something you didn’t have yesterday: one more day of experience.

The Future Is Not Something That's Already Set in Stone

That’s exactly what we mean by growth. It’s not about waking up one morning and becoming a completely different person. It’s about using what you’ve learned from the previous version of yourself to refine today’s version just a little more. The reward in our lives is making better decisions, building stronger relationships, having a healthier body, achieving greater success in our careers, cultivating a more peaceful mind, living a more fulfilling life, and ultimately, creating a more magnificent future. Because the future isn’t something that’s simply handed to us one day.

Live each day as if it were a lifetime. The moment you wake up in the morning, imagine you’ve just been born. A brand-new life lies ahead of you, and you’ll live that life until you close your eyes at night. Now think: if today were a short lifetime for you, how would you spend it? Would you still waste your hours on meaningless things? Would you constantly put off the things you need to do? Would you put off telling the person you love what you want to say until tomorrow again? Would you postpone that small step you need to take toward your dream until another day? I think this perspective holds tremendous power.

Living Each Day Mindfully

Because one of the greatest mistakes people make is living as if they had an infinite amount of time ahead of them. “I’ll do it later,” “I’ll start tomorrow,” “I’ll fix it sometime,” “I’ll take care of it later.” But when you start living each day as if it were your whole life, the power of the word “later” fades.

This doesn’t mean you should rush around all day without taking a break. On the contrary, if you’re going to rest, really rest. If you’re playing with your child, really play with them. If you’re eating with someone you love, be fully present. If you’re working, really work. If you’re living, really live. Because it’s not about cramming as much as possible into a single day. It’s about living that day mindfully. And when night falls, ask yourself just one question: Is the “me” of today a little more developed than the “me” who woke up this morning? If the answer is yes, then that day wasn’t wasted. Then go to sleep and be reborn the next morning. Start over, but never start as the same person. Because if you do this for a year, when you look back, you might see a completely different person standing before you. And if you do this for years, you won’t just create the most amazing version of yourself; you’ll also begin to create the most amazing life for yourself.

In today’s world, where financial stability can be easily disrupted, many people find themselves trapped in a credit card quagmire. Finding oneself in this situation is a very human experience, and it’s important to recognize that it is not unsolvable. However, what really matters is setting aside regret, focusing on how to escape this financial dead end, and seeking realistic solutions. Many people, quite understandably, seek an answer to the question, “Can I solve this problem immediately with an aggressive financial strategy?” It’s important to realize that no chronic financial crisis ends instantly, as if by magic. A lasting solution comes not from knee-jerk reactions, but from taking conscious and focused steps every single moment.

We Can Solve It by Staying Focused

Time flies, and every moment we experience holds a new opportunity. Of course, we can’t solve these problems with a magic wand in a single second. However, if we live every moment, every minute of our day with this awareness, we can solve all our problems. Look, it’s not just about credit cards; we’ll solve our weight issues, our communication problems, our financial problems—we’ll solve everything. We’ll also work on our personal growth. To solve our financial problems, we need to focus on the issue. We can’t solve this in a day, a minute, a few hours, or even a week.

Don't Be Afraid to Make Radical Decisions

Solution number one: You have a car, you have credit card debt. If buying a car will pay off that credit card debt, don’t think twice—buy the car and pay off the debt. Why? Because, after all, a car is a problem that can be solved. You can take a taxi, a minibus, a bus, or use public transportation to get around, or you can ride with a friend. If your home isn’t too far away, you can walk there and back. A solution will be found—it’s not the end of the world.

Personally, I sold my car many times back when I was younger, about 20 years ago. Here’s a suggestion for you—something I did myself. I didn’t have a car, and it wasn’t a problem at all, but right now I do have one. So what happened? The important thing is to solve your problems. You’re paying interest on this debt every month, and it’s growing. Instead of owning a car, be a debt-free person. You can always buy another one later. Pay off your debts; clear them. Take out a loan to buy a car—it’s that simple. You’ll just have one loan to pay off, and you won’t be hit with such aggressive interest rates like on a credit card. So here’s the first solution: If you can sell your car, sell it. Sell it outright—don’t think twice.

Second: If you own a property, sell it too. Look, I’m being very clear here. Because at the end of the day, you’ll live in a house and pay rent, but you won’t have to endure this ordeal, this psychological pressure, and this stress for months on end. Peace of mind is more important than anything else.

Family Support and Sharing

Let’s say these aren’t there—neither of them is. Third: Mom, Dad, your elders… Sit down with your family and explain the problem. Say, “I’ve gotten myself into this mess.” I think families—your spouse’s family, your own family, and so on—can support you. Tell your family, “I have this problem—can we find a solution as a family?” Maybe everyone will chip in a little, and your problem will be solved. You could, for example, borrow from them in dollars and pay it back little by little over the course of a year; after all, it’s within the family. That’s another solution.