Kind of disappointed by Keith's post. Its all excuses, no admissions.
Keith, if you had no money you'd have been back at work months later and you'd never have got to this situation. I feel sorry for you buddy, but I don't buy all your excuses because some of this situation is your fault. By your own admission you've been fortunate in many areas. You do barely any work, you're on many counts a very lucky man.
People who can't admit that they could have done better will never make things right for themselves.