Okay then.
Any estimate on when 9.5 will be supported? Because I already spent all of my money buying all of the equipment I need so I can't waste another cent on anything.
I would say that it would be at least 2 years before 9.5 is supported. Assuming, A. that the team attempts to find numerous exploits in 9.5, B. that there is an exploit[combined amount of exploits] to even find in 9.5, C. that you don't update passed 9.5, D. refer to A.
Sell your 3DS, and buy one with a lower firmware.
I wish I could explain and convey the complexity of these exploits, and how they are patched by Nintendo to you. I could in theory, but it's far too much typing to put into laymens' terms. If I were you I would RUN (motorcycle) to the nearest WalMart, and buy a NN3DSXL, a black one. Check the forums for FW preinstalled in correlation to the Serial number. You want one with 9.2 or 9.0. Support for the NN3DS(+XL) will be released "soon" by GateWay once they have a stable, and confirmed near bug-free launcher/method.
EDIT: Also, emuNAND @9.5 will not be immediately available for the NN3DS, but sometime this year (after its official NN3DS support launch). emuNAND is currently usable in the 3DS, but of course, assuming that it has a FW of 9.2 or below.