Well, congratulations for attempting to tackle the voodoo.
Everyone's circumstances are unique. Personally, I have come a long way financially. I had a young family when I first invested in Phoslock and over the years I have invested far more than I should have in it. I was by no means wealthy and had no chance of ever being so. After many set backs, redundancies, poor decisions etc. I was looking at working till I was an old man and retiring on the pension. Again, not advice, in fact I would probably advice against taking my coarse of actions, but I decided that it was all or nothing for me. I went for broke and it is paying off.
You have to make your own decisions over the coming years but I applaud your bravery. Seriously hope it all pays off for you.
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