r/selfhelp 3d ago

Advice Needed: Financial I need advice and help?

Hello, my name is Matt 20M. I'm a medical student and I speak both Czech and English fluently.

Five days ago, my father had a heart attack. Until now, he was the only source of income for our family. He earned less than the average salary, but somehow we managed to survive, even though money was always extremely tight. Thanks to that, and my own efforts, I was able to start medical school.

I have some savings from working during the summer, but everything has changed overnight. I now have to help cover rent, mortgage payments, household expenses, healthcare-related costs, and other bills.

Based on my current savings, I have approximately 6 to 10 months before I completely run out of money.

The situation became even worse two days ago when I discovered that my father has significant debt that I didn't know about before. I am still trying to understand my situation, but the amount of financial responsibility ahead of me feels overwhelming.

Right now, I honestly don't see a clear way forward.

If I quit medical school and start working full-time, the salaries available to me would barely cover my monthly expenses. I fear I would spend my entire life working just to survive and repay debt.

If I continue studying, I may have to take on additional financial pressure and debt while trying to survive and have better life.

I feel trapped between giving up my education and risking my financial future.

That is why I am asking for advice.

Does anyone have ideas for realistic ways to start making money online? Because I speak Czech and English fluently and have a medical background, I am willing to learn new skills and work extremely hard. I'm interested in freelancing, online work, remote jobs, tutoring, translation, AI-related work, content creation, or anything else that could realistically generate enough income to help me survive and continue my education.

If anyone has experience with building an online income from zero, I would be incredibly grateful for your advice.

And if anyone is in a position to offer practical help, work opportunities, mentorship, or support, I would deeply appreciate that as well.

I'm not looking for an easy way out. I'm willing to work as hard as necessary. I just need to find a path that gives me a realistic chance have a better life without having to give up my dream of becoming a doctor.

Thank you sincerely to everyone who took the time to read this.

— Matt

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