If you're renting then, aside from other debt, most of your bills should revolve around your home and work obligations. If you work it all out, couldn't you put your stuff in storage (or leave it with your mum or friends) and follow the dream? My grandmother told me before she died that elderly people rarely regret the things they did do, but always the things they didn't. That, 1984 and Dead Poet's Society changed my life forever.