Hope you've gained some clarity about what to do. The finances sound like the biggest problem at the moment. Your W doesn't sound v grounded in that department.
The last post of yours on my thread was really useful. Thank you for that. I've thought about what you said a lot. Now, you need to apply your wisdom to your own sitch.
Please keep updating and I wish you luck with it all. I hope that you're managing to keep a PMA.
Me: 51 H: 52 T: 23 yrs M: 19 yrs S18, D16, S14 (special needs) PA: 2003/2004 Piecing: 2004 on Suspect H had EA: 8/2012-12/2012