Most doctors make much less than that.

I hope you can find a way to stop spending, shuffle your credit card debt to lower interest cards, and live below your means so you can get on top of your situation without having to ask your family for money. It seems to me that your numbers should be able to work out OK, but your emotions are what's leading you to want to put all your wheels on the table and turn over your finances to the matriarchs of the family. It's a PTSD panic laid over something else..

I'm being called away...I think you can look at your numbers and see that you can do this yourself...its quite possible to live decently on an austerity budget if you have a good address. FFS Johnny, just taming your caffeine habit should free up dollars to pay off your bike and reduce ptsd too. . You can do this on your own and probably in such a way no one will be able to tell. Hang in there.