1) The main thing is to start learning Torah. The Torah will help you out of all your problems.
2) The main thing is Torah.  I believe that if one would start to learn Torah, that everything in his life would change for the better.

3) You have problems I admit that is true. But I have confidence that the power of Torah is so great that it can help one out of all his problems. But not all at once. One needs to keep at it year after year, and eventually he will see how in time everything changed for the better.

I know there are questions about this idea. 
The questions are internal and external. There are people that learned Torah in order to make money. And these people are often nasty.   But that is not a question because Torah has to be learned for its own sake in order to be effect.