Please guide your junior

Hi all, I (M21) started my prep a few days back , rn I'm reading ncert for geography, polity, and history I'm understanding around 60 -70 percent things on my own and with the help of google and youtube Also I'm a working aspirant, i study around 4 hr on weekdays and around 8 on weekends. I'm planning to give my attempt in 2026 or 2027 My question is should I take coaching for GS . I can spent upto 1.5 L on my prep and I think I should spent it on my optional (anthropology) and test series. So if i plan to take GS coaching then I have to ask someone for money or take a loan. So should I take coaching for GS . And one more thing , is it true that a strict 2 year preparation is must for this exam? Will i able to give 2026 if I'm starting now as a working aspirant? Thank you.