I’m getting a little sick and tired of people moaning about the bad times.

“I don’t have enough money.”

“I’ll never be able to retire.”

“Nobody will give me a job.”

Now don’t get me wrong–I’m not saying these aren’t serious issues. These are challenging times, and I truly feel for those who are struggling to get by. What I am saying, though, is that moaning about it may not be the most effective response.

Look, the Beatles went through some tough times too. Times ...