Don't worry... it will come that day. And the first steps will be with your family members. because if you start with them and you fail, will not be such a problem, they will understand and you will try again and again until you will do it correctly.

Indeed, running a LN bank over Tor is not recommended and you will always have issues. So start learning how to run it properly over clearnet or if you want a simple fast solution, check my latest quick guide about running a LNbits with NWC accounts that also could be behind Tor. The thing is that a LN node over Tor will always have issues, but if you run it with just few private channels, will be fine.