4th of Sept.... lost and confused

It's been a tough few weeks and I finally can shove everything aside to nab some fish. 
I have Tuesday off... because I'll have to work next Saturday ( they wont pay overtime) So i'd like to fish it to it's fullest.
 Problem is, I dont know what to go for.
I have waders, but no wetsuit. So the saltwater is out.  I would like to go for salmon, just dont know where my best chances are. ( could try and find an open spot with a guide ) Wouldnt mind going for some kokanee in the lakes, but it's going to be a 90+ deg. burner.   gee's what a whinner.
 So that's the delema. I havent been out much to know where to go. 

Anybody have any ideas? anybody care to drag me along?

Ocean water kind of cold along the San Francisco costal stretch up north and down south these past several weeks.  I was yak sailing at Lake Pillsbury few weeks ago with high 90s temp but trouts are catchable at 35-45 deep water.  Nice place to fish with shorts.   BTW - You need no 4w drive to get there.