Re: please evaluate my life plan:
You should take a year out and find some things you enjoy doing. Then work out a way you can do them and get paid enough to live on.
That's all you need. Don't get sucked into a dull life worrying about maintaining financial security.
Simplify your life and costs so you can enyoy yourself with less burdens, hassles, and stress, and avoid sinking into a monotonus trip into tedium.
Maybe this is something you have to learn my trial and error (like following tips for spreadbetting).
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