I'm a father of a 1 yo and 2 yo. Married, wife is stay at home so I'm the only working parent. I bring in just enough to cover family life & whatnot. Coaching is not gonna happen - for now. I self-coach and am disciplined enough to follow my own training plan. That being said, if I had the money to burn, I'd go with a coach. I've read training and racing with a power meter, and joe friels cyclist training bible and follow what is preached in those books. I feel like the limiter I have is time. A lot of fast guys I know racing in the midwest seem to put in a ton of miles per year, more than what I'm putting in. Once the kids get older I'm hoping to up my time on the bike (and time in the gym - I don't have any time at all for that now). I do however feel like my self-coaching process really hasn't been too bad. My main fail when I toe the line is racing strategy.