I'm sorry GymRat.. it's okay to have a breakdown too, none of us keeps it together always. I see a lot of positive qualities in you immediately, without knowing you, from reading your story. Some of them I personally am lacking and I admire them in you. I'll list them.

So firstly you are showing consistency in the long run. Despite having a weak moment in the short run, from what you are stating, keeping a job and a home for all these years, making sure to exercise and keep yourself healthy, being thoughtful and reflecting smoothly and with clear reasoning on your situation...all these things.
I'd hire you too if I had a business.
Why don't you say directly to your job manager that your rent got raised and you'd like to get a raise from work too.

Find a job that pays better. You have lots to fill in on a resume and a good heart, this shouldn't be too difficult.
I discovered in my current job, when I gave my notice and they put an ad in to fill my position, the offer was for a new hire to be paid the same as what I am making now (after 20 years), and 80k more for someone with the same experience I have.
This company is too cheap to pay me that money though, I have to quit and get hired back. Not that I am going to do that. Companies go as cheap as they can. You have to fight for your share.

I hope you find your balance. You're making money and eventually that'll lead you to having money, as you describe it. It's rare that it happens right away. But if the track is positive, stay the course and it'll get there.

You have my empathy. No one deserves to feel that fear. I pray it get better..