gave the best answer so far.
In my opinion, it's all up to you. For me, life doesn't have a meaning itself; this gives us the freedom to choose our course of action. My wish is to be financially free, to do whatever I want for the rest of my life, to give my children that freedom.
If you want to spend the rest of your life like you are right now, sure you can. But by simply asking how to improve your status, you show that you have more potential than many people.
As you said, you made new year's resolutions. You don't have to do successfully everything in there, but at least try. And if you fail, try again taking into account the experience you gained early; and keep failing and trying, and so on. Eventually, you'll find yourself where you want to be right now, or closer. Good luck.