You'll see this ridiculous picture in captions everywhere where someone's complaining about cutting out a daily work coffee to save money. The meme suggests that saving $20 a week gives you $80 a month or $960 a year. They've even got the maths wrong by assuming exactly four weeks in a month. After 10 years, you've supposedly saved $9,600, which isn't enough to buy a house, so you might as well enjoy your coffee.

They say life begins at 40 and the best is yet to come. But what they really mean is that life is full of surprises, and starting over might be one of them. Many of us have faced tough times recently, and it's perfectly normal to feel like you're starting anew. Remember, you're not alone!