hi gillian, i know your sentiments regarding go2canada agency. mahal nga sila and hindi pa money back guarantee unlike other consultancy firms. (I almost signed up with them) ..... I think you are making the right decision on just filing it on your own just make sure to read and re-read the website so cic.gc.ca so that everything will be clear to you and you can always ask for help thru the forums.... Personally, i suggest you take ielts before filing kase sometimes mabilis mag reply yung embassy and they just give you 120 days to comply. (ielts results are released 13 days after the exams.)... For the proof of funds, you dont need to sell your vehicles yet nor let your husband retire. You just need to submit assest valuation and those amounts are equivalent to showing proof of funds it can be your car, properties, bonds, time deposits, bank accounts etc.
These are just my thoughts correct me guys if i'm wrong.