Oh no! What a hard luck. I can relate with your experience of losing money in an investment that turned out to be scam. It's really heartbreaking how these people defraud others of their hard earned money. But one thing is sure, karma is very much real! They'll meet their waterloo one day.

While grinding to make ends meet, one shouldn't forget the paramount thing - creating a balance between work life, personal life and the home front. It's nice you've resolved to make changes
and prioritise the things that matter most.

Wishing you the very best of the year.
!BBH