I think we have all hit that point at one time or another… many of us in direct relation to US laws 
All I can say is continue on and it will pay off. Sometimes it is rough – I know this for sure, but perserverance can certainly get you back on track. You have been around for quite some time and I think if you push through the rough times, you will not regret it.
It’s easier to push through than to start over some years later, that is for sure!
good luck!