Agree with Bond. I guess I would ask this question of you - what is your objective? Is it to save your M? If that is the case, and I am not being judgmental here, I don't think you are moving yourself any closer to that by the actions you are contemplating.
I am new to this so I am by no means in a place to direct others - but one of the best pieces of advice that I got (maybe from Sandi2?) was to ask yourself before you do ANYTHING that would impact your W or situation "does this get me closer to what my goal is?" - if the answer is "no" - abort!
