I am employed and have insurance, but even with those advantages I still cannot afford therapy due to the other bills that I am responsible for. For now I am trying to deal with these problems on my own. The last therapist that I went to advised me to sleep more when I told him how anxious I felt about my life. How does sleeping more help? So I stopped going. Like you, I wanted solid, concrete answers and suggestions, but none seemed to be forthcoming.

I've never heard that term before: 30+ crisis. I think that definitely fits my situation as well. I think you're right, that most people don't speak openly about it because supposedly by this age we're supposed to have it "all figured out" by now.