[MENTION=23656]devaf[/MENTION] My advices here are not (necessarily) for you, they are for OP, I just borrowed/quoted from your post.
Money is not everything, but its one of the closest to 'everything', in the 'real world'. (yeah, i did get the meaning of that phrase, lol)
Without health you have nothing. If you have health, then its probably money that can help you to achieve the most freedom in this world.
Free advice is generally not as good as paid advice. (so, should you ignore all the replies?)
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You have to trust trustworthy people.
If you enter a new area of expertise (and I'm not necessarily talking about a job or something related) or domain then its really difficult to determine who has really good knowledge. You have to gather a lot of information from random sources (I recommend books and the internet) to be able to form your own opinion (to have a best assumption, gut feeling about what is good or bad). You may think that someone you know is an expert in an area, but few years later you may realize that there are several times better "experts" who can do it much better. You just haven't spent enough time to explore the unknown. Don't trust anyone, not even yourself and always be open to search for better and better methods with large steps until you are fairly satisfied with what you have. You can always find something better so don't draw the line before becoming fulfilled with your results. You just have to define your goals, how you want to live and spend your next decade. Its much easier to explore your necessary methods and tools if you know what you want to achieve. And don't limit yourself. If you want a Ferrari then write "getting a Ferriari" on your list. If you want to explore the world, then write it on the list and your goal should be getting the resources to realize it. Reaching huge goals is very difficult and most people retreats after measuring up the necessary investment but you can become very-very motivated if you know enough and you realize that your goals can be reached only in a few years if you do things well. Having goals is essential: if you don't know where you want to go then it doesn't matter which direction you choose and the chances of getting to a meaningful point in life is much less. Group dynamics have a huge effect on people: most people are very similar to the people sorrounding them and its very difficult to start doing things in a different ways. However if someone succeeds and starts living a superior life many people become very envy. They are envy even of people who have a different life in a somewhat negative way: for example they may be envy of drunk partying rouge people who are constantly struggling with existence but may have much more freedom and colorful life than the average person. A social circle can be good to help going through your difficult days, they drag you up from the deep, but they can also drag you down if you want to fly! Many suggest that one of the easiest way to become a successful person is entering a social circle with successful people, this helps you to copy their routines, mindset, ... Social circle and the mindset you develop are very very important factors!!!
The world is a dangerous place and anything can happen at any time.
Even if you are a safe player, you may die tomorrow. This is why you should live life boldly. Take risks if the rewards are huge. Smart people take risks with huge rewards but acceptable losses in case of failure. Even if you fail you learn a lot of things. Its actually a series of failures that give you the most knowledge. Valuable knowledge is that is owned only by a few people. Most people are not willing to learn things that can be learned only by a series of failures especially if you have to take seemingly huge risks to commit those failures. In most cases however failing has much less consequences than you would expect. You have to become comfortable with failure and learning from failures.
Wash your whites separately & generally follow such type of instructions correctly. (means use common sense, dear reader, lol)
Or simply buy black clothes only.

Don't over-complicate things. After gaining enough knowledge, knowing yourself and your motives enough you can develop the ability of spotting the essential factors that actually help reaching your goals. The majority of the factors have often only a tiny contribution that you can ignore if you want to focus on the most essential things. This way you can have an edge.