With all due respect…You are a man without a plan.That money will disappear in no time.I have 2 bochurim a few years younger than you,and if any of them chose to do that I seriously would not sleep a single night.Here are just a few reasons:
1.Tel Aviv is as bad as -or worse than-Manhattan.And so are many secular communities/neighborhoods in Yerushalayim.
2.For every yeshiva(which you’re not even gonna be protected by)there are seminaries…the streets are filled with bochurim and girls….nisyonos abound.
3.You don’t want to be a burden on your sister,but then your expenses living on your own–WITHOUT A JOB-are going to be ridiculous.
4.Kibud av va’aym is nothing to sneeze at,either.
My suggestion?Try to meet an American girl who shares your dream of living in Eretz Yisroel!!