Please see a good financial professional (not a bank employee). You don't need to struggle through this alone. Any FP worth their salt should be able to make y

Please see a good financial professional (not a bank employee). You don't need to struggle through this alone. Any FP worth their salt should be able to make you significantly more than you pay them. And they will help you set your financial goals and reach them. My mom is an FP and she would sort you right out. That stress and uncertainty would be gone.