You have learnt to do things the sincere and hard way. You need to develop practicality and endurance.

You could have had over reliance on others as past karma, which needs to go now and start being independent and less dependent on others. You also need to try, to stay away from credit matters and external resources as much as possible.

You need to learn to guard confidential information carefully and overcome the nervousness of others knowing much about you.

Best Wishes.