I am also a personal trainer and my head used to hurt as well so I completely understand where you are coming from.
Looking over the information you provided about your life at present, the first thing you need to do is
get out of debt. The debt is probably playing on your mind more than anything else and is one of the reasons you can't make forward progress towards your other goals.
You don't want too much and I believe you can achieve all your goals but you need a clear head to do that. I was in a similar position years ago and once I cleared all the debts I started achieving my goals one by one and eventually
quit my job and moved to Thailand. Now I'm in my third year in Thailand and life has never been better. However, I was once in the same position as you.
You can do it if you make a plan and stick to it. The reward is a much better life than you have now, you will be happier and doing what you want instead of doing what you have to. Good luck mate.
John