When a person goes online looking for opinions on what to do about a financial issue, and then fails to respond to the people offering those opinions, it seems odd. After all, it's MONEY that's worshipped here not Buddha.
I would like to have a $1 for every hard luck story about money that I've heard from Vietnamese .
Personally, I have found that within days of meeting a girl here, her whole family has been struck down by financial misfortune. Not lucky. We foreigners often bring bad luck and misfortune to local people.