You have no reasons to worry. Complete your M.Com and continue practicing music. Money never should stay in one’s hands. It should be spent too. There is nothing wrong in that. And to save money, at 69 even I have not been able to save anything. Every rupee I have earned, I had to spend it for my food, looking after family etc. As it is you are doing very well. After passing out your masters with flying colours, contact us and we will guide you then as appropriate.