There were times I feel that since I do not have any special skills or talents why not put all my money on luck(lotto sort of thing). Is it OK(I will need your advice here).
Spending money on lotto is about not taking responsibilty for your own financal future.
Personal Development is not about spending money.
It's about taking action.
I would recommend that you start a gratitude journal. Every day, before you go to sleep, write down 3 things that you are grateful or happy about that happened that day.