Okay, the 180 day thing isn't as scary as you think it is. Here's an example. Say you do your PTC every day. Your account page will show something like this.
Paid To Click - 05/10/2013 2013-05-10 $0.15 Approved
Paid To Click - 05/09/2013 2013-05-09 $0.15 Approved
Each offer has a 180 day limit. So, you don't lose all of your earnings, just those that are older than 180 days. So, if one expires, it will look like this. I don't have the exact look in front of me, but this should give you an idea.
Paid To Click - 05/10/2013 2013-05-10 $0.15 1 day left
Paid To Click - 05/09/2013 2013-05-09 $0.15 Expired
Secondly, as someone else pointed out, 180 days is about 6 months. If you do just a little math, I can show how you don't need that entire time to cashout. PTC ($0.15), email ($0.02), videos ($0.01), searches (~$0.05), RadioLoyalty ($0.01 every 10 min), Payment bonus ($1), and posting bonus ($3) together are enough to cash out in that period.
PTC alone is enough to cashout. Technically, you only need 167 days to cashout with PTC alone.
0.15 X 180 = $27
0.15 X 167 = $25.05
Let's add in the email as well, so we earn 17 cents a day. With 17 cents, it will take about 148 days.
0.17 X 148 = $25.16
Now, let's say you get your posting bonus, that's $3 extra dollars that you don't have to earn towards that $25 limit. Obviously, you still need the $15 in offers, but that means that $10 can come from bonuses. So, your $3 posting bonus is helpful for the first 3 months and then just adds up afterwards. So, let's say it takes 3 months. That's 3 posting bonuses and about 93 days of PTC and email credits.
($3 X 3) + (0.17 X 93) = $9 + $16.32 = $25.32
So, that's just some basic examples to show that you don't need all that time to earn it. Doing these three basic things, you can see that earning $25 is nothing in the grand scheme of things. That means that anything in addition to those 3 things will allow you to cash out quicker.