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Next, Where will I Head Over?

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My mother has recommended me to take Financial Planner 3th Grade. Then, what should I do? Of course, my sense of money is loose. It's OK for me if I get normal sense of money by getting qualification of FP 3th Grade. But can I get normal sense of money? In other case, she's recommended me to learn Chinese. Because, in Close Up Gendai in NHK, Chinese residents in Japan have increased. I have gotten qualification of HSK2, but I'm troubled to study HSK3, so I had given up tentatively. Now, I can somehow manage to use English, but it will be the best for me to be able to speak and write Chinese. My vision has been still abstract. But it's OK for me to be able to improve foreign language by talking to foreigners, and invite foreigners to my pharmacies. It's important of both sense of money and linguistic skills. What should I do?