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Hi Rodney,
I think it really depends on the life plan you have for yourself. Your wanting to insure your future is a wise decision. It's easy to jump in with both feet in a moment of emotion.
It's a great expectation, but it's always difficult when venturing into a new career, I'm assuming you want to make this your life's work, to make ends meet at first. Once you get a solid student base it will probably be a lot easier to get the saving part going. It can take a while for that to happen, so instead of suffering through hunger so you can have light over your student's heads, is there something you could do part time to make up the difference.
Having some other job of whatever sort, something you can do and lessen the hours as your business stabilizes and you have a good solid income, can alleviate the stress of getting bills paid and getting the savings started.
This way you can start doing what you love now, and it'll only go uphill.
I hope that helps. Best wishes in your teaching venture.
~B~
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