Exactly as denny has stated it...
... and denny is someone who really KNOWS. Get the "we" thing out of it. We all have to deal with our own issues and clean up our own messes. Period. I fully agree with financial counseling. I believe you could learn to live on your earnings. Maybe not a grand or luxurious lifestyle, but as long as you have a roof over your head and food on the table, that should do. (Been there, done that and must say I survived it!)