Dear Eko,
I will be visiting London this July 21 as well as Oct 13-16, 2012. I will be conducting a BaZi, Feng Shui and YiJing tutorial on Jul 21. If you are interested to attend, send me an email via the feedback form in our website.
Thank you for reading my first 2 books on BaZi. Actually, the answers you seek can be found in book 3 and 4 of the Destiny Code. Nevertheless to save you time, I will answer your queries now.
You are right, your favorable element is Water. But your Useful God is Wood. This is because in your chart, there is no 'water' elements at all. Hence you cannot treat Water as the Useful God. You have wood, and wood is useable for Weak Yi Wood, hence it is your UG.
Do not worry, your Luck Pillars are good. Starting age 36. So your future is bright. As tot he question of becoming financially free? Well - you can achieve in the pillar starting 46. However, only if you've activated all your hidden potential in your chart by then.
Water is favorable for you. But it is not in your chart. Hence you cannot, 100%, take advantage of the Water element. But nevertheless, it is still a good element. Some help, is always better than no help. :-)
Hope to meet you in London.
Warm Regards,
JY