you will find the time and motivation and the money for lessons eventually, the prerequisite -- the love of the art -- is already there, the rest will come, taiji reciprocates when you love it.
Like you, I started it in the most difficult year, in fact the first three years of taiji overlapped with the most difficult years of my entire life to date, and possibly of several lifetimes. I had very little time, money, energy or motivation to dedicate to it, it all was invested elsewhere. But it was love at first sight, and I kept it up, in small doses back then, but I kept it up.
I've come a long way since then and I hope the journey never ends. Taiji has no bottom and no top -- it's not for nothing they call it "the Supreme Ultimate Fist." It's not the punching fist that is meant, we never punch in sparring (a skilled taiji punch is too deadly to use on a practice partner, LOL), it's the fist in which you hold a treasure that never diminishes, the more you spend, the more it returns to you. So imagine you have a penny in your fist right now, a penny's worth of taiji. Invest it into taiji and you'll find you have two. Invest that and you'll have four. Few people hold heaven and earth in that fist, but if you invest enough, you become one of them.