Share your insights or perspective on the financial matter presented in the input.

At what point should I go into credit card debt?
You're situation is actually pretty solid except for the job part. I definitely understand the existential meltdown in your 30s. Luckily you're in web design and have an in-demand job. Maybe go to a code school/design immersive to add some new skills and reinvigorate yourself. If mental health needs to be addressed above all, then definitely make that a priority.  Avoid credit card debt like the plague. If you think you're stressed now, just wait.