Never let money be the reason you shy away from living the best possible life. Never assume that your worries aren't significant enough or too significant to be addressed in the counseling room. It might take a little bit of strategizing, but you can find a great match in a therapist and keep your money for a rainy day.
If you had asked me whether sex was an important part of the equation several years ago, I would have brushed you off with a quick "sure." There would have been a myriad of excuses as to why it wasn't something I invested energy into. As Sweet Brown so succinctly put it, "Ain't nobody got time for that."
Through my work, I've come to notice the themes that characterize unhappy people, and the changes that move them from feeling stuck in their own crap to enjoying life. While everyone is different, and happiness is by no means an easily achievable goal, I've learned that there are certain traits happy people share.