I'm going to be 100% honest here: I know nothing about hair loss and potential cures. But I've always heard finasteride has ED as main side effect. I don't know if I'd want to mess about with it.
@Juve92 to add to what Seven just said, yeah there's people who suffer from long term/permanent ED with finasteride (arguably the permanent side effects are psychological if hormone levels return to baseline) so I would say take it at your own risk but my brother and I take it and we're fine.
Minoxidil is good but it's not something you can just quit at any time due to the shedding phase when you first start using it. If you're not consistent with it, it's bound to damage your hairline more than help it.
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Yeah I'm not really counting on being able to live off of a pension
Probably better for me to just make more money in the UK, invest, and retire in Bolivia.
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@Fr3sh