I am looking at any possible way I can help but it will only be a contribution...

Meeting living costs and striking a balance does not = reward, it = survival, whilst hopefully building a 'reward' for all. Without meeting  fundamental needs, working toward the 'reward' is virtually impossible...

Reward = 2 weeks in Barbados 3 times a year, a new car, long term security and stability for one's family etc. etc. These all come later.

I for one could not give up my 'day-job' to pursue my speculation [full-time] for reward, as much as I would like to!