Everything I've said is true. My parents help with the student loan bill. While being cautious, trusting people is an asset, as least until they give cause. I find it a bit odd to distrust strangers on a forum, but I'm not judgemental. I'll say I'm fortunate enough to be doing what I've loved this while, being a music producer making music, through the support of those close to me. I've decided to begin my journey to financial freedom, so as to not only not be a burden to others financially, but to facilitate other opportunities, and I know it is not possible without the help and kindness from others in sharing their knowledge. Thanks for your input. I will look more into tax implications seriously once I start making higher income.