If you can chalk it up to experience without wallowing in shame and blame, you might be surprised where the grace of God may lead. Contracting is a very hot job niche today.
No shame or blame here, I brought it on myself to some extent, and to some extent it was a confluence of events outside my control. If I have to muddle on through just as I am in the very first house I ever bought with ten year old cars, I’m actually OK with that. I’d rather not, though. Money can’t buy happiness, that’s true, but no money doesn’t buy anything at all.