Don't take mortgages.
Don't get kids.
In an economic system that has it's IDEAL goal to concentrate 99,9999% or wealth/power into the hands of 0.0001% of the population (i.e. about 7000 people for the whole Planet) - you have to work hard and then IDEALLY die quickly after your productivity drops, i.e. at the age of about 50 years.
How will this resolve? By the way of Great Planetary Revolution - but we're not there yet. Think closer to 2050. And at any rate - chances to actually improve your sad position as a result of such revolution are about as high as getting into the chosen 7000 owning 99.9999% of wealth and power.
Ergo - the only meaningful choice for you is to STOP SLAVING for the rich (and STUPID as your admit). Get involved in the FREE SOFTWARE development. Stop paying mortgages. Forget about you family - you can't do anything for them anyway. Do something for the cause of Justice and evolution on Earth.