[billmalarky]

>If I stop working we'll be bankrupt within months.

Is it possible to cut your cost of living significantly (by 50% or more through some extreme changes)? When the alternative is suicide, I'd imagine that almost _anything_ else is acceptable.

I know you don't have the energy for this lifestyle refactor since you're working two jobs and depressed. Can your wife take on this responsibility?

Lastly, bankruptcy is a greatly preferable option to suicide for your families sake.

[depressedfather]

My wife is unable, unwilling, to significantly change her irrational spending habits.

[1123581321]

Is there any way you can siphon a small percentage of your pay into a separate direct deposit account you control? Even $100 per month accumulating for an emergency will be encouraging. And since your wife apparently spends until your money is gone, she may just stop sooner.