SSRIs or exercise won't make your financial or relationship issues go away so you'll still be depressed unless you can fix all the issues bothering you.
Consider: there was a study about a guy who was paralyzed from the waist down, who got an implant to bypass the injury, and with a year+ of walking with the implant, could eventually walk to a limited extent without the implant.[1]
This suggests walking can be used to treat loss of ability to walk. Unfortunately, there's a catch-22 there...
...and so too with inability to make yourself do anything.
Wait, I thought those things solved depression? Why are you hedging now? Did your initial analysis suck, and you're just now realizing it? Are you figuring out that maybe this is slightly more complex than "just be happy" and that maybe you're not the only person on the planet who's ever thought about this?
You may not have said the literal words "be happy", but that is precisely what your "medical advice" amounted to. Perhaps it's time to stop having big, strident opinions about things you know you know absolutely nothing about?
The change needed was to actually have a reason to start doing any of them. For me, that started with being honest with myself. Deep down inside I knew the reason for my depression, I "just" had to be honest about it to be able to take control over it.
Once I did that I gained some motivation to do those things on that list, and so I started doing them. And slowly but surely I got out of my hole.
Every now and then I notice I'm halfway back down a hole. I stopped doing those things. Again I have to be honest with myself about why, and with that I can start the climb back out, starting exercising again, eating better etc.