I also wanted to add that in general, finances are always a short of what I need, career is always at the edge of progress but not going forward. Over the years, I just feel like there is something that is pushing me to wards steady progress and holding my life stable, and then there is something else holding me back from a strong success. I put in lot of hours at work, get lot of good feedback in my annual-reviews, so I know it is not laziness or lack of dedication from my side.