Is it irresponsible for me to go on this unique, expensive trip when my life is a mess?

I wouldn’t do such a thing like this myself but if you don’t have underage kids to support, do it. Life is short. Take up a weekend job and make extra money. Find friends who let you crash on their couch. Stay/eat at homeless shelter. Bring a small musical instrument, perform on touristy places with a tip jar. Instead of eating at restaurants, buy cheap canned goods from grocery stores. Have fun then go back and clean up your act before another trip.