I am having only 0.21btc in all my accounts of trading, saving and spending combined.

It's so low as compared to other forum members.
You are a newbie and your earnings are very good, so try to make more money with that amount by trading and don't think about people there are many people on this forum that have zero Btc in their account and still they are trying to make money so work hard you will get more bitcoins one day.