I am in the same boat, but my boat is filling up with water - I too had a husband with a high paying job but I did not have the foresight you did to save for this mess. So I have a pile of bills plus almost $5000 in medical expenses from his lastest trip to the ER. I have been a stay at mom for almost 13 years and am now looking for entry level work and the bills are piling up because I have not had time to put the house on the market. But I feel free and my children are happy and at the end of the day the house is quiet and peaceful. There is no price tag on that. Hang in there, put one foot in front of the other and go easy on yourself. I think you can use your anger to fuel a better life for you and your little ones. And it is not your fault any more than my situation is mine, even tho they try to tell us that.