Sometimes the best way to help others is to help yourself first.

If you are too generous then you can be taken advantage of and taken for granted. There are always going to be people with their hand out wanting more from you, but maybe they don't really need it as much as someone else....

Sounds to me like you've got it all in front of you. Just remember, there are no bad choices. Even the ones that go bad are ones you will learn from and be a better person for it. So don't be guided by fear or anxiety. Be bold and own your decisions, for better or worse that's what makes you YOU.