What your keep vs. What you owe.
How are you working to increase yours? The first step is figuring out how to manage and maximize what you currently have. I mean like really maximize your dollars and no make unnecessary and unplanned purchases regularly.
Next, make sure you are spending an appropriate amount on your purchases. You might not want to skimp on your mechanic but if that blouse is on sale tomorrow or you have a coupon at home then wait.
Look into ways to create a second or third income and reinvest your earning. If you are unsure of what you can do then look to your hobbies.