Wow no one asked if you have a partner or children or plan to. It isn't clear how old you are, what you want to do with your life, if you have a secure job, if

Wow no one asked if you have a partner or children or plan to. It isn't clear how old you are, what you want to do with your life, if you have a secure job, if you want to travel, if education is worth it, if you parents/family needs help or if you want to own your own business. Without these things any advice is probably wrong.