Go to a free public library and ask the reference librarian to help you locate a source for a recording of  "The Strangest Secret" by Earl Nightingale. "The Strangest Secret" will give you information, common sense and principals that will explain why you are at the level you are at at this point in your life. It will give you the information you will need to move forward with your life if you so choose.  Listen to it more than once when you get it in your hands.

I listen to it at least once a month to keep me focused.

I had mentors that taught me the principals on this recording long before I ever heard of Earl Nightingale. It gave those principals that I had been using validity.

I found I am where I am because I want to be at that level and if I choose I can change my level in either direction (up or down). Good luck has nothing to do with where you are at. Good understanding of yourself and the principals and common sense on the Earl Nightingale will help you with your personal finances and everything else in your life or it will at least explain why you are where you are if you chose not to apply the information.