I read an article on Times of Israel about Anglos that make aliyah, and it said that most of them deplete their savings.
The advice I am giving myself is the same Ii am giving you. Ii’d suggest settling things career-wise before aliyah, sem, etc. Material needs must be fulfilled before lofty spiritual goals.
I’d love to be able to shtell tzu all day. Learning heilige Tosfos’s and Rashbas and Rambans all day would be a dream come true. But I realize that financially, I just can’t make it like that.