The severely programmed victim mentality in me would go.."But, how? I don't know anything good enough, I'm a bad this, I'm a bad that...." The survivor in me would go.."Don't waste any money, don't try anything risky, don't do anything different..."             
The bitcoiner maximalist in me goes..."STFU the two of you..! --If you don't know how, it's because you haven't looked within yourself to know yourself & see what you're capable of, just from listening to these two all f*cking day bitching and moaning..."