I'm going through the same thing but a younger age, and I know how you feel to a certain degree.
There's nothing really anyone could write to you that can make you feel better right away. People will give you advice that you've probably already heard and know very well, and it still wouldn't make a difference. Do you know why? Because when you're depressed, there's a sort of twisted kind of 'comfort' that comes with it. It ties you up to a tiny comfort zone of repetitive thinking and contemplating wishing something would change. Anything you see/read/hear while you're depressed will sound the same, so here's what you need to do:
1)You need to understand your fears. From an evolutionary psychology point of view, your body is just reacting to fear of not being able to survive. Your brain kicks in to lock down mode to help you focus on and solve your issues, blocking out normal functioning that might distract you from contemplation. So you need to know that depression is fear-based to a certain degree, no matter what life event (like not having enough money) triggered it. Ultimately, the root of the problem is you being afraid of not being 'successful' in what plans and dreams you had set out for yourself. Sit down and break down what you want/what scares you/worst case scenarios, face the truth instead of just letting it swirl in your subconscious. Which brings me to number 2.
2) You need to find objectivity to your situation. A huge part of the depression cycle is getting stuck in the same pattern of feeling everything about you and your life is not going good. Try to step back, and think with a clear logical mind free from your own emotions. If your fear is with success and fulfilling dreams, remember that things are extremely subjective. The only one worrying about those things is you. The only one that will feel bad about them is you, so why are you doing this to yourself?
3) Muster up some courage to fight what your own head is telling you. Sometimes talking or reading about someone who was in the same position as you can be inspiring, and can help you bring out some courage or will to get over your depression.
4) Use your courage to consciously control what you do and how you think. Google exercises that are used in cognitive based therapy. Whenever you catch yourself thinking negatively, try to correct yourself and thinking of these thoughts from a different perspective. If there are situations where you feel your depression is preventing you from doing something, force yourself to do it. It's like sending your brain a signal that it needs to change its current thought process; and eventually the change does really happen.
Sit down and give advice to yourself. What would your non-depressed self say to a friend in a similar situation? What things would you ask him to do that you ,yourself, are not doing right now? Write them down and get them done. Even if you're not successful after doing those things, you'll feel good enough about accomplishing something that you won't try to stand in your own way no longer.
Well, that was long! Hope this helps...