Sure, if being retarded and putting your family at risk is a dream. Go for it!
Discussion
Risk is a part of life. Your family will be fine.
What the fuck are you talking about? Of course risk is a part of life. Your job as a human with a family is to mitigate risk. Not just yolo your shelter into a boat. You can do whatever you want. I think it's retarded to risk your shelter for shit you can't afford.
Loosen up. Spend some fiat and have fun. Stressing over paper is not healthy.