I hear what you're saying. It's been a tough year and if there is no money for courses, lessons or clinics, then you have to do what you can with the free information available and your own dedication.
If however, there is money for a clinic, then a benefit to investing that in an online program is that the information stays available to you. Most clinic attendees only remember 10% of what they heard at a clinic and if they aren't sure about something, end up practicing wrong because they can't look it up, or ask for clarification.
By learning online you don't have travel expenses and time.
When you go to a show you won't feel like you wasted your entry fee because you have a better chance of not getting disqualified.
And when you do go to clinics you'll get more out of them, both because you have already completed many of the steps, and because you will have reference materials to access when you get home to help you remember what was being taught in the clinic, or what the next step is.
To help make it easier for you I've added a payment plan.