Boy! I can sure relate! My biggest fear ... having my A/C unit die on us. It is only 6 years old, but I can't live without it here in this heat and humidity. My health would definitely suffer if that happens. Seems every time we turn around, something else needs fixing or an expense arises. But I am like you ... I have achievable goals. It's just going to take time to see them come to pass...
So tell us what exactly your plans are for your backyard paradise... I'd love to see some drawings.