Yes, for most charts during this Saturn–Neptune era.
No. As the name suggests (Payo = Milk, Vrata = Vow), the strict observance requires surviving only on milk for 12 days. However, if health does not permit, consult a knowledgeable Pandit for exceptions (though strict scriptures say only milk).
It is a rare planetary alignment at 0° Aries signaling global systemic resets in politics, economy, borders, and ideology.
Sagittarius (Dhanu) has strong chances of sudden financial gains. Leo (Simha) and Gemini (Mithun) also have favorable yogas for financial planning and profits.