Hmmm...If I lived in Iowa, I'd be financially okay. But living in NYC...
I'll say yes, even though I'm in between jobs right now. Hopefully it won't be one of those year long un-employment stretches that are so common here (everywhere???). I've got enough saved for a couple of months, but then... I'll have to start the "financial inventive" part of this series!
As to which of the three (counsler, etc...) none of the above.