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I know I was being a little overzealous to expect that sort of clarity :p

To be entirely honest the biggest challenges I’ve faced have been knowing what to do in each situation. Part of the reason why I’ve joined here is because I knew that anything that I would be going through would have been experienced by others. Thus, although concrete answers won’t ever be given to me, fingers will probably point in the right direction.

The comment about money was absolute gold, it’s that little nugget that nobody wants to think about but really is the gremlin in the back of the closet.

Thanks again for all the replies. :D