Simply, going forward, forget "is year X the year of bla bla" or "is this my year?", "I'm going to do so and so this year" and just get started.
On your SMM comment, I can understand why you might say so but here's a little advice, after selling $1xx,xxx+ and then getting banned by PayPal, my advice is to spend the a bit more time looking at the industry as a whole, right now since Instagram is cracking down on instant smm services like followers and likes, the kind of clients who used to buy smm services will still be looking to buy services for their social media profiles, which there's plenty of.
Start your panel, but keep it on the low, and on the side. You only need 100 or so members to make some decent income, which you can source one by one by simply browsing instagram and talking to people - NOT COPYING AND PASTING A SCRIPT - talking to people..
As for some advice on how to still make money from SMM without getting banned from payment gateways or worrying about SMM panels/reselling and the headaches that come with that, think of the services that are still considered legit, like social media management software, auditing/tracking software, create graphics, sell shoutouts.
Sure, one of the above might not be as profitable as SMM, but in combination they are, and open more opportunities since likes and followers sold from panels are unreliable and just drop, making people have less faith in your business overall.
I did the above btw, glad I started a few months ago and not now since I've seen 4-5 new auditing and management softwares pop up just this month (there were thousands before)
Build a reputation, go strong, never give up, wherever you are in the world, people need to make money, if you can help them generate more cash with their business, they'll work with you!