It will help to have a clear idea of the situation in mind when you ask these questions. Keep your question simple and concise. "Which is the better situation, fiscally speaking?" Is a better question than "Should I do this one thing that means this this and this or should I do this other thing that means this this and this or should I do this other thing entirely different from the first two AND what happens if I do each one?"
It also helps not to take what other people say about their abilities too seriously. There are very very few people who see past and present 'clear as day'. Our paths are determined by such a wide variety of variables from something as simple as where to get coffee to things as important as having a child. Each decision stacks one upon another to build our path. That's a lot for a reader to filter through to find a helpful answer.
Which makes 'clear as day' more often wishful thinking or boasting.
Just my two cents.