You are very low on my one to ten scale, so is your wife and yes your family cheated you out of money.

All these things due a cascade of wrong decisions.

That said, I also saw that you were a far better person before.

Michael, reluctantly, promised to help you.

On your side...you have to ground twice a day. It is discussed somewhere in this thread before.

One other thing, the easiest way to become a better person is to help out people that do no know you.