I don't mean to sound crass, but putting money into OTC stocks when your life depends on it is not a good idea at all. You might as well go to a casino in Vegas or head to the horse track and put all your money on one horse.  OTC stocks are one of the riskiest things out there. Sure, you can get lucky every once in a blue moon and hit a home run. But you should only be playing OTC stocks with money you can afford to lose 100% of the value. Not money where your life depends on it.