^ Having moderated two forums, I can attest to that! People can be really mean when they've got a computer screen to hide behind. Mods and admins everywhere have my respect - theirs is largely a thankless job.
I'm in a similar situation right now. I agree with what has been said, only you can change our life. However, it's "how?" that is the hardest hurdle to overcome. I hope you find your answer soon.