everyone starts off differently, i feel that anyone that has a lot of debt , trading could be a tough endeavor since they put themselves under extreme pressure to earn, and then probably getting paid monthly which is common, is difficult to budget. anyone starting with all that against them makes it even more challenging.. trading is stressful enough without having to add insult to injury for anyone no matter whether their new or experienced. the markets will always be around, but two eaches own. financial pressure can ruin even the best of traders. even traders that are well capitalized have a difficult time. its a tough endeavor for all of us..