Welcome to your world! Reality is smacking him in the face w/the kid's schedules. LOL!
They tend to fixate on issues, especially if there is money involved or their credit rating. You've explained it to him not once, but several times...just leave him be. He'll either figure it out or give himself an ulcer in the process.
Poor baby, fell asleep in is work clothes. Sounds like he had a hard day. Yes, it does suck to be him.
Continue as you have been.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.