I agree, but understand that given a working environment, you'd have the opportunity to ear more in time, also for some strange reason... jobs opportunities will present themselves more when you're working. It's kind of like married men getting more attention from women than before they got married.

Otherwise you're in a trap that you can only get out of unless the right job comes along.
I went through a stint year ago where my family lived on a nearly negative income for a couple of year and had to rely on bonuses, tax returns and family charity to make ends meet.
America is the land of opportunity, I firmly believe that, but like so many other things in this country the middle class gets left bearing the full brunt of the economy. Below poverty you get help, if you're filthy rich, you get the tax breaks and loopholes. So the opportunity is there, you just won't get help getting on that bus. In essence 50 % of the country is living with about a month's worth of cushion between the life they live and being out on the street... pretty damned close to hand to mouth.
The statistic is that the top two percent of the population holds over 50% of the country's wealth... it may even be higher than that now. That wealth has to come from somewhere, and since it doesn't come from the folks living below the poverty line, it's the middle class bearing the brunt and the divide get broader.
Look at this bullsh!t tax plan the nation's politicians have just compromised on.
Democrat, we can't govern.
Republicans, we want what's worse for everyone.
Hope you and your family soon get through this phase of your lives.