For more context, I work a lot of over-time at my current (US) job. Outside of work, I have a home and family to take care of.
Time is an expensive commodity in my world. Don't get me wrong, I am self-taught in a lot if areas, but there are some areas where structured learning is better, especially when it comes to being endorsed (certs, diplomas, etc).
Money is also an issue. About 80% of my wife's and mine combined income goes to debt (credit cards, loans, kid's schooling, etc) and the rest goes into our gas tanks or bellies. The US economy is not friendly to people who started off lower-income, and sadly, positive vibes don't help change that.
We're realistic, not looking to get rich. But do I have the brains to do better? I believe so. Convincing a potential employer of that is impossible without backing, and if you're at the bottom, getting that backing is MASSIVELY difficult.
Another comment mentioned that networking in the industry is key, and I do need to do more of that. I suppose it is time to reactivate my LinkdIn, something that seamed like another superfluous Facebook back when I first made the account.
Anyway, positivity is important, but it is not a solution. I do my best on that front, but it gets harder as I get older and less marketable.