Look no further than the sorry state of email today. This problem was fixed 25 years ago:
One is almost tempted to think that someone is trying to keep private communications open and accessible...
Isn't the whole point that WE are effectively that program.
We are getting closer and closer to being able to write something more intelligent than ourselves, make sure it's working properly, and then letting it loose.
The concern is that this might only happen once...
I do not know you financial situation at all. But my wife and I were in a similar situation a couple of years ago. And it basically boils down to two things:
1) You are parents. That means sometimes doing things you do not particularly like to make sure that your kids will have a reasonably stable upbringing - aka you can pay for stuff.
2) Regardless of what you do, it is easier to get the next job if you are employed.
No matter how you end up dealing with your situation, remember your wife. Help her, listen to her and be there. In a year or two you will have moved on, and this will just be another story to annoy your kids with.
Best of luck!
Of course you can't flap your arms and fly to the moon. After a while you'd run out of air to push against.