Do you work? If not, that would be a good place to start. You didn't mention any income coming from you.
This whole "unemployed for a year" thing is just bizarre to me. In my world, when you're unemployed and need money to buy food, the correct action is to get a job. Any job. Coffee shop, pizza delivery, factory, cleaning, warehouse. Not go $50,000 into debt.
Also, the numbers don't add up very well - on a Mustachian budget you would presumably be spending around $25,000-$30,000 per year, definitely slashed much lower during periods of unemployment. So for every year worked earning $90,000(my guess at after tax income), you would save enough to live another 2-3 years without working. Assuming out of the 12 years he worked 9, and you spent $30K per year, you should have at least $450,000 right now, not -$50,000.
Figuring our where your $500,000 disappeared to over the last 12 years would probably help prevent this nonsense from continuing.