I hear many people complain about being too poor to afford a house, a car, a decent meal at a restaurant, heating, or whatever. The bottom line is that they’re always complaining about money.

I see four basic types of people that complain about money.

Type 1 – Those that don’t budget

Most of those who complain have enough money to have a great life. Their main problem is that they don’t know how to budget. A few of these can be taught to spend their money more wisely, but there’s a larger group that doesn’t want to.

If you suggest budgeting to them, they react like you’ve taken away their human rights. How dare you suggest that they should set up a monthly budget.

They want everything, and they want it now! They lash out and blame others when they realize they don’t have enough money for everything. It’s all the fault of the rich, the large corporations, or whoever they hate on that day.

They blame the big corporations, yet they are the ones giving them their money. No one is forcing anyone to give Netflix, Apple, Microsoft, and others their money. We all have a choice.

I’m happy to buy quality products from big corporations. But if you don’t like them, stop giving them your money. Simples.

A lot of these people earn more than I do but still complain that they’re poorer than I am. So, it’s not to do with money.

Solution: Budgeting is easy. There are a ton of books you can buy on budgeting and getting out of debt. There’s also lots of free information online. If budgeting is a problem for you, you don’t have any real excuses. Just put in the effort and learn to budget more effectively.

Type 2 – Those that won’t take any chances in life

These people are simply too comfortable where they are in life. Of course, they still complain because they want more. They want to live in a better house, they want a new car, they want a nicer vacation. That’s all good and well.

Where these people go wrong is that they don’t take any chances. If you suggest they apply for a better-paying job; they give a list of excuses why it would be a bad idea. What if they don’t like the new job? What if they have a manager they don’t like? What if they don’t get on with their co-workers?

All the excuses come from a place of fear. They would rather stay in their $35K job instead of applying for that $40K job. A decade or two later, they realize that some of their friends are earning double their salaries. Their friends took some chances while they stagnated.

Solution: Taking risks is easier for some than others. To get on in life, you always have to take risks.

Changing jobs doesn’t always work out for the best, but you can always change again if your new job doesn’t work out. You won’t always make perfect choices, but the wrong choice once in a while doesn’t need to be a disaster.

Type 3 – Those that don’t update their skills

The world is changing at an increasingly rapid pace. It’s up to us as individuals to keep our skills up to date.

Past generations did all their learning in school or university. After that, they likely joined a company and worked there for life. Those days are well and truly over.

These days, we need to be continually upgrading our skills.

Imagine you needed to go to hospital for an operation. Who would you want operating in you? The surgeon that learned what they know 40 years ago or the one that’s kept updating their skills annually?

Who do you think will get the job offer? The person that hasn’t picked up any new skills for a couple of decades or the one that always makes sure their skills are up to date?

Solution: Learning is fun. Why wouldn’t anyone want to continue learning throughout their lives? It baffles me. If you’re resistant to learning new skills, start small. Learn something fun. It doesn’t have to be related to work. Learn something new just because you want to. You’ll learn some new skills and become more confident at the same time. It all helps.

Type 4 – The work-shy

This is a big group, and hopefully, you’re not part of it. This group is simply work-shy. They’re too lazy to get a job, too lazy to learn some new skills. Everyone else is to blame, apart from them.

Solution: If you’re work-shy, you simply have to force yourself to get started. It won’t be as bad as you think. I’ve seen some people drastically turn around their lives. In fact, I was one of them. I was a work-shy no-hoper in my younger days.

I got over it by forcing myself to take small steps. These led to big outcomes. It was worth the effort. I was still in debt at age 29. I reached financial freedom at the age of 50. If I can do it, anyone can. Even you.

Which type, if any, are you?