I need advise

You can always plan for yourself, and there's ample time for that. Put aside the responsibilities for just one minute a day, formulate a plan and try to implement it. The year is far from over. Stay strong and positive!

I can't completely understand what you are trying to ask advice for. I mean it's not clear to me. You can hold on to anything. You can make money working for someone who is able to give you a wage or salary. When you accumulate some capital, you can use it to start a business where you can work on to be successful. You have the ability and the strength to do what you can do to make your life better.

Earnings go so quickly. At the end of a year, most can't claim to have much.

You need to analyze your life so far and figure out what you want to accomplish in the coming year. Set realistic goals for yourself. What do you WANT to accomplish? A better JOB? Then start looking for one. A better PAYCHECK? Is your work ethic the best it can be? Are you impressing your BOSS so that he/she sees that you are trying HARD to improve your skills and are interested in advancing? Do you have in mind EXACTLY where you want to be by this time next year? You have to PLAN a strategy and then every day, you have to ask yourself: What did I do today that will help me reach my goal? If you didn't do anything today to further your plans, then you MUST make a list of what you need to be doing and then DO it. I used to be a motivational speaker and I've written several articles and posted them here on myLot. Perhaps you should read some of them. A person can not just go to work every day and do the same thing over and over and expect to ADVANCE. A person who wants a better situation in life, must figure out what needs to be done and then DO it. Success does not just FALL in your lap. You have to work toward your goals. And before you can do that, you have to SET some goals for yourself and then EVERY SINGLE DAY, you need to be doing something to reach your goals. Ask yourself every day: What can I do TODAY to make my life better? At the end of each week, ask yourself: What did I do this week to make my life better? IF you are NOT doing things to better your life, your life won't improve. That is a FACT.

There are still nearly 4 months left of this year in which you can achieve something. Don't just look at financial achievements when you look back at a year.

Just look back, assess everything and get the positive points; it is you who can decide best for your success.

Looks like you've got great counsel there on this thread. I couldn't have said it better. As long as the earth lives, you have a good life with intelligence, honesty and hard work ahead of you.