Third what others say:  It's likely best to attempt to NOT get emotional regarding what others say about you (especially true on the interwebs), and you gather whatever information (if any) from what they say, but put it into perspective that almost anything people say is going to lack tailoring to both your actual individual financial and psychological circumstances.. even if we might account for some of your representations of those financial and psychological circumstances.  Regarding psychological circumstances, we may also expect that you need to attempt to get a grasp on those matters yourself because there is ONLY so much help that any of us can do in terms of figuring out the balance - so in that regard, there may well be seeming insensitivities towards trying to figure out or to balance your psychological circumstances.. which are surely relevant, yet you are ultimately the judge regarding how to balance those kinds of matters in a way that you believe is fitting for you.

For example, right when I am writing this post, I am a bit preoccupied with another topic in the real world.. so my attention is not very focused, but I am still attempting to respond, and so when I am writing I may well have forgotten what I had already written in previous posts (and in this post), whether I expressed it very well and I might not even be able to remember what you said previously.  Plus the feeling of repetition and not being able to recall if I already said that, and if there might be a better way of saying it... which ultimately leads to some lack of clarity in either what was written or what was meant.