Local AI is an expensive hobby. You're paying big money for small performance (so mainly for the feeling of "owning it", which is a great motivator). It can't match cloud services, not absolutely nor bang-for-buck, especially if you look a bit for cheaper and freebie options. As someone who loves and promotes local AI, in the situation you described my plea would be to use that money to improve your situation more directly (move out, get support,...). The cost of a laptop that can run somewhat decent models should buy you at least several months of therapy (@1 session/week).