Hi ~ Bless your heart. I'm sorry you're struggling so. Your psychiatrist isn't very understanding as far as I'm concerned. Can you switch to someone else?
And the same with your therapist -- how about changing to someone else? I think you need more THERAPY, not just having someone hand you a bunch of stuff to read!!!
You could probably get on disability, but like you said your income would probably drop considerably. Could your WIFE go to work? And if not, WHY not? You would be there for the children if you got on disability. So that wouldn't be a problem. Does she just not WANT to work?
If I were you, I would apply for disability and see what happens. Then see about having your wife go to work. If she's able-bodied, there's no reason why she couldn't get a job doing something.

And like I said, you'd be there for the kids.
I wish you the very best. Please take care of YOU and God bless. Hugs, Lee