I'm married and have a mortgage and i'm going to go against what most people are saying. If you don't have the spare cash, then stay stock. 99% of the people on here that have a tune probably haven't had a problem including myself. I was stage 1 and stage 2 for over 50k miles before I went K04. When I bought the K04 kit, I made sure I had leftover money for a new clutch "just in case" my stock one went bad, which it did after 4k miles.
Now the 99% of the people that had nothing go wrong is fine, but that 1% that has had problems had to pay to get whatever fixed that broke. A great saying when it comes to VW's is "you gotta pay to play" and if you are worried about shelling out another $1,700 for a new clutch and install just in case you belong to that 1% then just stay stock. When you get more cash flow, then get tuned and have peace of mind. But for now, with limited cash flow, have peace of mind and stay stock.