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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).
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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.