1. Your family's "abilities", and your own dreams, just point to a practitioner background.
2. Believing that you have back luck in money matters /etc, creates this bad luck.
Positive thinking goes a long way.
3. Don't place so much stock, in what "others" say. POS practitioners are only there to tell you, what you want to hear, and gain a paycheck.
4. Magik is personal, and you just can't dive in. Even if you did some research online, you will still have to practice the ritual -- and use all your willpower towards your desired outcome.
~ Never Lost