I hear ya on the job factor, after the crash on the economy, the company I worked for 17 years closed its doors, I got another job within 6-8 months, but they closed its doors (construction companies took big hits), I must have been a real treat to live with, I didn't find out till BD day and the counseling started that i'd been in a funk depression for almost 2 years cause I didn't feel like I was supporting my family the way I was used to. Even thou I had started my own company at that point, it was a terrible market to be in, and the wages just weren't there to make. I focused on penny pinching so we didn't get behind.
I'm glad you realize what you were doing wrong, and what you need to address the issues, hopefully its not too late. Give it time, lots of time. My counselor said a year would be about standard for this type of sitch. So being patient is key.
I hope your short term goals continue to work out for ya, with a good luck towards the housing portfolio.
