Great analysis Sir, especially comparing life and our karmas to balance sheet and carrying forward to next financial year. Very apt description. Thanks to almighty I got good education. I am a post graduate from one of the IIMs, currently working in Travel industry.
There is a beautiful song by Lata - "Tora man darpan kehelaye ..." - this song aptly summarizes the path of moksha - getting rid of all your miseries - "Praani apne prabhu se pooche, kis vidhi paaun tohe; Prabhu kahe tu man ko paa le, paa jayega mohe"
Manas - (mind) is the generator, pursuer and schemer of DESIRES. It says - I wish, I will, I think. A underdeveloped and unrestrained mind is what gets into the trap of the transiting (gochar) Planets thus producing variety of extremities in karma, which in turn builds the future.
Coming to your question on marriage.
What is your intention behind marrying? Is it to have a desirable partner and live and enjoy life as per what couples do? Or is it to create a family, have kids and so on? Why I am asking you this question is because in couple months you will be 42, and believe me it is very struggling after 60 to care for children in terms of education and caring for them to get settled and so on. It is not worth the stress at that age of yours and in this age of Kali. Moreover, we are living in a very crazy time where Salami Slicing tactics are deployed in every aspect of struggle of human life by the profiteers from both aspects - where you are a supplier of your services as well as where you are a consumer of services and products supplied by others. It is prudent to live a healthy life rather than allow constant seepage of toxicity into all aspects of your life (physical, mental, intellectual, spiritual) - causing a heavy toll on one's health, thus wasting a preciously rewarded human life.
Let me know your thoughts.

