I would roll your old 501K over to folio investments where you get 2 free window trades per day as well as 3.00 per day out side of window trades. There is an annual fee but will make up for it in the low trading fees. Not that I recommend trading a lot in your retirement accounts but it does give you the opportunity to take control, set stop losses for stocks that may be going through a risky patch or same with ETF.s. They also have a wide variety ETF/Mutal Funds and all kinds of portfolios you can buy in one based upon your risk criteria or you can make up your own portfolio, again very inexpensive so you have the opportunity to really lean and pay attention to fees that can eat away at your returns over time and I wish I knew all of this when I was young but know it now. Then I would also work on your iPhone financed through Verizon: $833 @ 0%. I used to get into these traps too where I felt like I had to have an iPhone every couple of years and fell into these deal when in reality, shop around you get all kinds of deals. In fact, for phone in general now, while at home, we use google talk. we can call anywhere in the country for free. We plug it into the Skype headphones for micros (get on amazon for about 30 bucks) and they sound then become very high quality. Then in reality we really don't need a cell phone all that much so can reduce minutes and text down to very little. work should pay for work related calls and then also, over time, you may work yourself into a role where the company pays for your cell phone. You may have to fork out the initial 200 bucks vs the 800+ you are paying now but you then keep it forever - stop the upgrades as they are unnecessary - and then you have no need really for a cell phone at home unless you switch jobs. Then money mustache has thread somewhere on track phones - anyone chime in on this and I'm sure there are threads out here too on that.
For your 122 insurance, is that for car insurance? If so, that seems a bit high so I would definitely shop around for a better rate - hit Geico.
Sorry about your Divorce but good for you that you have moved on in a healthy way and keeping focused. Make sure you are taking time to enjoy life, so many things to do for FREE :).