The common wisdom-The harder you work, the more you can -- applies to you in the coming 10 years.

The issue with your husband is mainly due to a gap in your expectation. You are still expecting intense emotional love with you husband and this high expectation causes you some trouble. You need to adjust youself to the reality of marriage life which is in fact quite routine and boring.

Get a job, if you don't and put more efforts in your job. You should be doing fine. Put more patience,particuarly in 2008.