Most of these considerations are peripheral. All kinds of people are everywhere and one has to learn to inwardly dissociate oneself from them as Vibhishan living in Lanka.
Equally considerations of the future having money and offering it for the Mother’s Work is a speculation. If the Mother wants you to experience the joy of offering and feels you are ready for it, She will arrange things accordingly.
The main consideration should be about the time you would need for the sadhana, for inner quietude and ingathered condition. That should be the main consideration. From your letter it seems overall you are more…