You can contribute to it once it's on the shelves.



Really, contributing via Kickstarter or other funding programs is a form of investment: if the game flops, then there goes your money, and you are disappointed along with the rest of us. If it's a success, then you get a copy of the game delivered to you and you get the enjoyment out of the experience, the same as everyone else who gets the game.

If you can't contribute, don't fret. Get your life in order first; that's the priority.