It sounds like there are a number of environmental stressors that are addin to your distress. Any one of those things could cause anxiety and depression. Me and my husband are in a tight financial spot because of his myriad of medical bills and it causes me anxiety just to type that. But it doesn't necessarily point to bipolar disorder. Even with pure depression I don't think most people are depressed every single second of the day. Ben with my episodic depression I can be laughing and the to right back to depressed/irritable. Irritability goes with depression and anxiety too.

Not saying you can't have bipolar as outside stressors can trigger episodes for sure. Just that you really do need to see a psychiatrist and a therapist to try to untangle what is related to what. I finally accepted my bipolar dx when the episodes got more severe and kept happening even after the environmental stressors were resolved.

Bottom line is you're unhappy so no matter what your dx ends up being you've got to do something to feel better. Therapy is definitely a good start. Along with meds, possibly.