I don't know that I have good advice, but I can relate. That sounds a lot like my situation. My husband is the breadwinner and I throw in a couple crumbs. But the crumbs keep us from sinking. But only just barely.

We both know he's capable of making more and that if I wasn't weighed down with a mental illness and other health issues, I could bring in more income. But he loves his job and I realistically can't do more than I am.

We sat down and figured out all of the cuts we could make, every penny. Can we lower our cell phone bill, cable bill, expenses like eating out, etc...

We figured out the bare minimum we need and then we accepted that it was worth being happy with our jobs and life while minimally stressing about money. The bills are paid, we aren't starving, but we have no savings and can't take vacations or order Chinese every week. It's a little stressful, but not as stressful as uprooting our lives to make more money.

We're not sinking, but we're not swimming either. We're standing still for now. We've accepted that's good enough for now.

Good luck with your journey through this!