Avira, I like it. Talmud Torah K’neged Kulam means always. There is no such thing as a “proper time” for learning, or an “improper time”. The Gemora says that only during a time when “it is not day or night” is the time for learning “not proper.” It’s not a question of right or wrong. The Halachah, as explained by the Ohr Sameach in Hilchos Talmud Torah, is that everyone has to learn an amount according to his level. The more a person understands the value of learning, the more time he must spend on it.
The hardships of Kolel are nothing compared to the pleasures. Like Rav Aharon ZT’L said – that those who support learning might get Olam Habah like those who learn, but they surely don’t get Olam Hazeh like them. Money isn’t everything – even in Olam Hazeh.
Women need Torah, too. Without Torah, you cant get Olam Habah. And so the Gemora asks the question: Nashim b’,ai zachyan – How do women merit Olam Habah if they do not learn Torah? The Gemora answers; Bakroei banaihu l’bei kenishta, ib’asniyei gavraihu bai rabanon – by supporting and helping their husband and sons learn.