sorry don't agree what problem is bigger than the next? We can rationalize everything with one sentence.
I thank the OP as what you state are issues that at its core start with the outcome of ones future and like Cagsil states, lead to bigger problems.
To the OP =keep the hope, it always starts with one, now there's two.
ps=sorry cag's but com'om, I'm not asking you to be sensitive just open to the fact the bigger problems you speak of, start somewhere, and no, not with me, ps-poke