Another piece of advice Gates has given is to make the most of what you’ve been given. Sometimes things may seem difficult, but you always need to make the most of any situation. You may have a lot of debt to climb out of, but your financial situation could always be worse. Or, on the other hand, you might be unhappy that you can’t buy a new car and put a down payment on a house, but you could be in a financial situation where either of those aren’t feasible.