What is happening? I have saggy breasts and no nipples. Is that normal? (Photo)

Based on the photo alone your breasts look well within normal limits but if the appearance bothers you then you may be a candidate for a lift and/or an augmentation. The only way to know for sure is to book a consultation with a board certified plastic surgeon near you to see what your options are. Best of luck! 

From the photo it is difficult to entirely discern your particular problem, but women's breasts come in all sizes, shapes, and degrees of sagging or drooping. All of these shapes are normal, but not necessarily desirable or most attractive. When you state "no nipples" you probably mean that your nipples are inverted, meaning that they are not projecting like you would expect. This is also very common and easily correctible. I would advise you to schedule a consultation with a board certified plastic surgeon who can address all of your concerns and discuss your options for correcting any of them. Best of luck to you and remember, your breasts are almost certainly within the spectrum of "normal" even though you might like to see their appearance enhanced.