Ayush, we would want you to ask yourself if you are serious about your future goals. Realising that you have responsibilities and you have shortcomings is the first step. But consciously or unconsciously not willing to move from that zone of shortcomings and work towards achieving something is not a good decision. We have told you how you can help yourself and how you can improve your English too. We have written answers as how to prepare for SBI exams and how you are not late at the age of 20. You know the age criteria for appearing for Bank exams. In short, you have the information and you also have the resources to improve. Inspite of all this information, if the apprehensions, fears and unwillingness to move on from the past remain, then unfortunately the very true intentions become questionable. Its as simple as this. Let's say you are at a beach. You are relaxing and all of a sudden the wave gets bigger and wipes away your sandals. The wise step is to move away from the shore to save your life. But if you sit worrying about the lost sandals and refuse to move away from the shore, the next tide will wipe you away too and you lose your life. Acknowledging and Adapting is important. So please ask yourself if you want to really succeed in life. Ask yourself whether you want to dwell in the short comings or move on to succeed in life. Be truthful to yourself. And you will know what to do. And until then we shall continue to answer your questions and help you with relevant information in every possible way.