Brilliant, GS!
Your detailed realization that self-sabotage in the past actually led to things being accomplished -- by someone else...and PR's response.
One thing I've absorbed from the Dave Ramsey classes (FPU) is that no matter where you are financially, there is a way up. It may be very slow, but this is about tortoises, not hares. The long view. Not tomorrow.
Another human being, to sit with you and look at the list of debts and needs--in all their glory--and help you "walk through" to a simple starting point (clearly not from your parents unless they are giving you a predictable monthly sum--and even then, you may kick in to an emotional place where you are determined to also find a way to generate your own stream even if it's tiny), sure might help. (There are trained DR facilitators/advisors who do this--but the classes themselves are the place to start.)
He described that once he had a system for climbing out identified (simple debt reduction steps that had nothing to with creditors' demands but ONLY to do with what he was capable of, with his CURRENT ACTUAL circumstances--which also involved an attitude of reality-based self protection, and a How to Answer Their Calls script) ... a
huge weight was lifted away. (Before all this? He was bankrupt twice and had experienced every conceivable level of guilt, and of being hounded by creditors, terror for his family, shame, etc.)
He finally knew what to do. Knowing what steps to take, and IN WHAT ORDER, is such a relief to those who've been so disabled by anxiety (in my case, that plus ADD) that they didn't know they could still, always, make a plan.
His "baby steps" are brilliant, imo, because they simplify the whole "big picture" into pieces anyone, even me, can understand. My daughter went to the classes with me even while she was unemployed and had nothing financial happening except interest mounting on her debts. I believe it was empowering for her anyway, and might be for you too. There's comfort in the way he presents it all, zero shaming, and so many, many things to grab onto. It can be transformational, imo. We laugh a lot. It's not abstract. He makes it all utterly, utterly concrete, and with compassion.
And what a thing to show your son, that he doesn't need to grow up in fear of money or its lack. All that to say...if you visit
www.daveramsey.com and click on Financial Peace University, then Find a Class, you'd never be alone with this again.
hugs
Hops