If you find you can't really deal with it, depending on if you got the lump sum or installments, you can tt ahead enough to get all that money back in your ABD. If I remember right, Tom Nook factors in how much money you have in savings when he determines how much your town is worth. So if you have 40 million bells in savings, the lowest your town is worth is 40 million bells. So you won't lose a bell of it. Remember though, you need a level 3 tree, 50 days and 50 hours. It'll take some time anyways or you could just leave the game on while you are busy with other things. But I wish you luck in your town, I'm sure whatever you decide the end result'll be beautiful.