If there's a right time for OP to invest in some "great coin with low supply", it's definitely not right now LOL. They just got greatly negatively effected by their brother's gambling problem and you're going to suggest OP to gamble with altcoins?

Anyway, assuming this is true(which I hope not, as it sounds very depressing), best of luck to you and your family. It might be hard right now, but it's not the end.