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Wow.
First I think you should realize that you're a kid and these are adult problems. Whatever you do, don't blame yourself for any outcome in this matter. I know you're right in the middle of it and it's hard to get perspective, but you have to make sure that you don't take on too much. The other thing that you have to keep in perspective is that many people have lived in situations much harder than yours.
But this is really tough. Hopefully one of two things will happen: stepdad will win it big or stepdad will have a clogged artery and his life ins will kick in - even though I doubt he has any.
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