Credit cards should not always be overdrawn. Credit cards are used for emergencies, not for daily life. Usually, you must pay off your debts in time with your credit card, and don't let yourself have a bad credit record. It will affect mortgage, car loan and so on in the future. But you said you had no money in your pocket. Maybe this is the biggest reason why you have no confidence. How much money a person has, how much confidence he has. There is no money in the pocket, and there is really no confidence. Because you dare not resign, because having no money will put you in a dilemma in life. Some businesses you dare not do, because you dare not gamble, for fear that if you lose, you will never have a chance to start all over again. If you want to start a business, it is even more unrealistic. Therefore, if you want to have confidence, it is imperative to make good money. Only when your pockets are bulging will you have the motivation to do things, and you won't feel discouraged in doing anything.