I don't feel quite ready yet either, so we're in the same boat there I guess. I'm just planning on waiting it out for a while, and seeing how things go with a job and so forth, then I will consider it more seriously again when and if I get the money for it.
I get that you don't want to involve your whole family, and agree with you that you have to be completely sure if you want to do this first. I'd suggest waiting a year or two, a lot of things might change in that time. But of course it's up to you. :) Good luck with your decision.
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