I am seriously faced with big financial troubles with my personal loan and credit cards. I try to close all those but I don't make up. I don't have a single bank balance for the future. I stay with my mother ###, my wife, ###, a kid ### years. I do not deposit school fees of my kids in proper time. I don't know how I will spend my life after retirement. I am ###. I feel very sad every time from inside. I don't show sadness in front of my family members. I just survive just because of God. Please Please pray for us.