I'm still not seeing where you are even at the point of needing a helper. If you only made 20k last year you can barley afford yourself. You're working for less than minimum wage. Your self admitted lack of motivation says maybe you aren't ready for this yet. Throwing a partner with money into it is like trying to put a fire out with gasoline. You need to do some soul searching and decide if you really want to do this. No shame, its not for everybody and it just might be the wrong time in your life.
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