The kayak shows the way you are going through life. It is also a symbol of freedom and your ability to take different choices. If the kayak is moving smoothly, you have no problems while living the life. If you meet the storms, or the water is not favorable to you, you are in emotional turbulence of your life as well. You feel like being unable to control your life, because of the circumstances.
Dream dictionary: dream to meet q virl dream meanings
…If you dream that you are insolvent, you will not have to resort to this means to square yourself with the world, as your energy and pride will enable you to transact business in a fair way. But other worries may sorely afflict you. Dreaming that others are insolvent, you will meet with honest men in your dealings, but by their frankness they may harm you. For a young woman, it means her sweetheart will be honest and thrifty, but vexatious discords may arise in her affairs….