Either this guy is unluckiest person in the world, or he is extremely poor in money/project management. I cant find much sympathy where you promise your lenders

Either this guy is unluckiest person in the world, or he is extremely poor in money/project management. I cant find much sympathy where you promise your lenders payment based on possible payment from Freelancer (you didnt even knew it takes few days to process wire for them which you would knw after quick Google search). You proved you are not doing your research properly and you are getting in situations like that. Previous lessons didnt teach you much imo and you are failing to research basics and you are putting all your eggs in one basket affecting you and your wife. If you are good at what you do - contact guy you work for and ask him to send money directly. If you are really valuable to him - he will do this. If you have time to write this piece - you could as well use your skill and do some content writing jobs that would pay you fair money while waiting for other payments/jobs. I am not trying to defend Freelancer as they did a bad job here, but man - protect yourself, learn how to avoid sucky situations you are in constantly...