I wouldn't call it risky since it didnt fall from 1200 all the way to 550, It stepped down. Who ever sold anywhere along the ride down and got back in anywhere from 550 to 650 is up and made decent money.
Im going to be 100% honest i didnt read past "dont need a 9-5 job to make money" your crazy man and your perception is all wrong. It dont matter if your doing IM or working for your self in your own business. YOU HAVE TO TREAT IT AS A JOB!!! with that mind set your never going to succeed and...
on a serious note do you know how much interest you could earn on that kind of money if you let it sit in the bank? you wouldn't have to ever work again
I would move privacy policy and terms & conditions to the footer it just looks out of place up there. Slide contact all the way to the right and i think your good to go i like the layout and nothing else jumps out at me. Good Job!
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