Overview
You're not sure what to do about your financial situation, especially when it comes to joint resources. Since there's really no way for you to figure it out now, your best bet is to find the one person you know will be able to help, both because they're eminently trustworthy and because they have experience with joint financial matters. In the meantime, sit tight. Times like this aren't made for movement; they're made for carefully thinking things over.