As for the money - well, everything will be all right. And, which is interesting enough, the less money you will need - the more you will be able to earn. Of course, if your salary is just enough to buy a loaf of stale bread or an subway ticket, then even a small raise of your income will seem a fortune. But it is not so! You will have quite a lot of money to afford oysters, caviar and a car ride. (And if you've suddenly run short of it then there must be a spendthrift nearby. If it is really so, have a serious talk with him). What you will really lack is the time to spend your money. You will just ponder too deeply over the variants coming into your head, so deeply that when you choose one of them the year will come to an end.