Dear Thelma: I am sad and worried about my future due to my family's financial woes

I’m at a difficult point in my life. My family has been in a financial crisis for the past five years now, with each year surpassing the other in terms of wealth depletion.

I’ve never been one to complain because my parents work so hard and do their best to support my sibling and me. But after graduating from high school, I’ve come to realise how much I need a safety net of sufficient finances.