Speaking as an athlete (though not bodybuilding, but I do take my sport seriously) I would say if you’re still behind on bills, it’s not time. Bodybuilding is, for 99% of those who do it, a hobby. Rare are those who are going to get a sponsorship out of it to where it becomes business money. But I also fully understand the pull of your chosen sport, and the desire to move ahead and not keep treading water. I would say once you are caught up on bills and you have a comfortable hold on your debt payments and you’re making real headway on those goals, then consider working it into the budget. But I wouldn’t let it consume your debt snowball/avalanche. You need some wiggle room in the budget before you should consider moving forward with it.