I am Jewish too. You don't need to belong to a congregation to attend services or talk to a rabbi. There are few things you can't do such as putting your kids to Hebrew school or attending a particular event. But no one says you can't come to a service.

I belonged to a congregation for many years but stopped this year for financial reasons but I attend services just the same. I have never heard of a temple that would prevent you from coming in unless you are congregation member.

But if you don't or can't attend temple, alanon also relies on a concept of higher power/G-d. It's free

As about financial troubles they are often symptoms of other issues. Money are important but can't always fix deeper issues.

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