I wish I had an answer for you, but I dont. I'm simply here to say I am exactly where you are so you are not alone. My massive panic attacks and anxiety disorder have basically ruined my life at this point. I'm older than you - 40 years old, a single mother trying to raise 2 kids on 1 income. My job is my entire life and I have not gone to work in a month. My mental health has gotten so bad its affected my physical health and i've been sick with one thing after another. I was released from the hospital on wednesday after being in with pneumonia and have gone to the ER every day since with bad asthma attacks. I'm terrified. Each day grows worse. My mental health benefits have run out, i have no money to pay a therapist, we have no free clinics where I live and the waiting list for the reduced fee clinic is over a year wait. Its hard and scary - best I can tell you is take it 1 minute at a time and stay focused on the current. dont look too far ahead or get overwhelmed with upcoming goals. baby steps till you get through this difficult time.