Hi. I read your entire post and I'm a little confused. Seems to me that you were enjoying working out and everything until you started doing the tri thing. Triathlon is a serious race and I think you should first start with something small and work your way up.

If you decide to jump into triathlon and you're not properly trained, you don't have the condition for it...you will for sure fail and that might break you even more. Firstly you will toss aside all other activities for the sake of triathlon which will be hard, and after that the failure of the tri race will crash you. I suggest that you prepare yourself well and then think about whether you should go to the race or not. Small steps