anamika,

Life is so cruel, isn't it? Even in USA.

You probably know how the terrorists killed 12 Nepali in Iraq: in cold blood. We get only one life, and we shouldn't consider it to be so cheap. What if, rather than being killed, you are maimed, and have to be surgically mutilated? Will you limp your way all your life? If you are not married, this life will be a real hell for you after that. We all want to take a risk at some points in our life (not least in Vegas casino or in some indiscriminate lottery purchase), but this risk is too much to take.

We should think about leaving our legacy, no matter where we live. If the salary is 50K, fine, we should think about other things than money. We must channel our energy into some positive things, rather than being bothered about our impoverished state all the time. Take Yoga class, take music lesson, take writing lesson, find a nice man and marry and raise a family, get some semblance of stability in your life, girl. You can't just float around in uncertainty, and toy with risks. Money, as Paul Samuelson says, is worthless in itself. It is valuable only when it is put in the context. (i.e. say when you spend it for your child's schoolbag)

Hope this helps.