I’m so screwed

48M, divorced, 2 kids in a HCOL area. I am taking over the house (mortgage, taxes etc) and I will have about $500 a month left after a strict food budget, child support, etc.

No emergency fund. I’m matching my works retirement fund at 5% so at least not to screw myself completely in the future.

I just did my budget. I was thinking I could skirt through by paying no federal taxes but that has come to bite me back in a big way.

I have a condo that I am renting that wasn’t the best financial decision to buy. If I sell it I won’t make any money but will be able to get out of credit card debt which is $22K.

I was in grief for so long and did so many stupid things financially.

The house is valuable and I would clear $300K on a sale after splitting it with my ex. But that takes my kids out of the school district and their friends.

There was no way I was going to let my ex live there with her boyfriend who she had an affair with. Wasn’t going to happen.