Stephen,

You don’t have a mortgage payment, i.e. no big debt and therefore not to be worried about having to work (hard) to meet those monthly payments?  You have guilt and regret for making that wise financial decision and having to relieve a source of major financial stress?

I suspect that you are feeling bad because you are still depressed.  Are you on any medication now?  Seeing a therapist now?  Still meditating?  Exercise?

Is your family supportive?  Are they complaining about the decision?  Who is living with you now?  Which members of your family?

Mark