I agree with leed. IF it's only a matter of time before you go on disability, you may as well apply for it now. I dont mean to be harsh but I know how hard it is to work and have a mental illness and not to mention all the other day to day errands to do. You have to look after yourself and maybe your wife could get a job. So what if you had to move to a smaller apartment, if she loves you she would understand. I burned myself out a few months ago thinking it would get better, but it got worse until I ended up in hospital. I know how you feel. Please look after yourself for your kids sake and your wife's. Best wishes to you.