Jas 3:13-18 KJV
(13) Who is a wise man and endued with knowledge among you? let him shew out of a good conversation his works with meekness of wisdom.
(14) But if ye have bitter envying and strife in your hearts, glory not, and lie not against the truth.
(15) This wisdom descendeth not from above, but is earthly, sensual, devilish.
(16)
For where envying and strife is, there is confusion and every evil work.
(17) But the wisdom that is from above is first pure, then peaceable, gentle, and easy to be intreated, full of mercy and good fruits, without partiality, and without hypocrisy.
(18) And
the fruit of righteousness is sown in peace of them that make peace.
you have only one enemy, the devil; your Mom is not your enemy (she carried you in her body as you formed from a cell into a baby - you are flesh of her flesh - she will never be your enemy). i'm not saying that she's right or wrong, just that she's amazing to let you live with her at your age, and your step-dad is awesome to buy you a truck on his credit card (albeit he is unwise to secure credit for another adult, especially with a credit card company - Pro 17:18, GNB translation). i'm stunned that, given your financial condition, your wife wants a divorce so she can 'do things right from the start' - perfection is an unrealistic goal for people in flesh bodies, and it doesn't sound like either of you can afford to fund this second chance at wedding perfection.
no matter what brought you to this point, as a 41 year old adult it is ultimately your responsibility to support yourself; if you weren't living with your Mom, you wouldn't be suffering from continuous strife with her. i've lived in some pretty rough places at times in my life; one place was so mouse infested that i was removing dead mice from the traps as fast as i could set them and eventually just simply had to live with them (i didn't stay there long!); another time i rented a room in a small 1-bathroom house with two other people that was between the local drug dealer's house and the vacant lot where the drug addicts passed out (didn't stay there long either); and i've slept in my car a few times and took sink-baths in public restrooms too - so the reason you're living with your Mom is not because you don't have any other alternative; people actually live under bridges in this country.
realize that you aren't the only one suffering strife - your Mom is suffering just as much as you are; have some respect and compassion for her and find somewhere else to live so she can get some relief from the strife opportunity that you have caused her by moving in with her as you deal with your marriage and employment challenges - even if you have to rent a room you find revolting from someone or go to a homeless shelter - she didn't force you to marry your wife, nor did she force you to make the decisions that have led you to this place of poverty in your life; as a 41 year-old adult, none of your woes are her fault.
Pro 17:1 KJV
(1) Better is a dry morsel, and quietness therewith, than an house full of sacrifices with strife.
Pro 17:14 KJV
(14) The beginning of strife is as when one letteth out water: therefore leave off contention, before it be meddled with.
Pro 17:14 GNB
(14) The start of an argument is like the first break in a dam; stop it before it goes any further.
God knows exactly how to take care of all your challenges; seek His wisdom and follow His leading and in a short while this will all be behind you. this will help:
http://www.awmi.net/audio/audio-teachings/#/awm_1001a_panic.mp3