In a heartfelt letter to personal finance expert Nicole Dieker, a middle-aged couple shares their story of overcoming past financial hardships, seeking advice on how to improve their lives despite limited resources. Dieker responds with practical suggestions, emphasizing the rarity of being debt-free in middle age and highlighting the impact of smartphones on perceptions of financial success.

Dieker applauds the couple's accomplishment of reaching middle age without debt, a feat achieved by only a quarter of Americans. She suggests that sharing a cell phone might be beneficial in minimizing unnecessary anxieties created by smartphone-generated desires. While societal pressures often make people feel inadequate, Dieker encourages the couple to focus on their unique journey and achievements.

Addressing the couple's desire to do more than just survive, Dieker explores various possibilities, urging them to identify their true passions. From writing novels to exploring sports leagues or community theaters, she emphasizes the importance of building a supportive network. Dieker advises seeking out activities of interest to make friends, which can be crucial in times of need.

In response to queries about specific desires, Dieker challenges the couple to define what "doing more" means to them. Whether it's going to restaurants or pursuing other interests, Dieker recommends aligning employment with those passions. For example, if dining out is a primary interest, she suggests finding a job in a restaurant where they can earn more than minimum wage and potentially receive health insurance.

Dieker concludes by emphasizing the value of new friendships in creating a support system. In times of potential homelessness, these connections may prove invaluable. She encourages reciprocal support, even if it's as simple as offering a place to stay and a kind word.

In a follow-up, Dieker addresses feedback from readers who recommended automating finances for individuals with ADHD. While acknowledging the effectiveness of automation, she clarifies that it might not address the core issue for everyone. Dieker explains that her advice focused on preventing unnecessary purchases from derailing essential expenses and breaking the treat-stress cycle.

Nicole Dieker's practical and empathetic advice serves as a guide for anyone facing financial challenges, offering hope and actionable steps towards a better life.