Pay rent or race my bike?

Maybe it's not so simple as that, but I'm currently thinking about hiring a coach. See, I have a great deal of trouble making decisions for myself, especially when it comes to training. So I'm looking around for a coach. Seems like it's going to end up costing me about as much as I pay for rent (which is ridiculously low for rent, yet seems like a lot of money for someone telling me when and how to ride my bike.) Hmmm. . .