You should do the White Tara short sadhana. If you can read it in Tibetan, you should do that. Do this every day if possible and you can also do it in retreat. Recite the White Tara mantra one million times, and if not that many, then recite it one hundred thousand times. You can do the practice in sessions.
Yes, according to my observation your life obstacles are very serious.
You should also recite the Mantra Promised by Tara five or three times. This is an extremely powerful prayer and even if you don’t recite it many times, it works. This is according to my own experience.