I went through something similar for years....then my health failed and I lost my job and my fears escalated massively.....then it turned out my husband has serious PTSD from being attacked at work so many times....then he was seriously injured (violently attacked while on the job) and now he's medically retired with no interest of ever returning to work. I think I do understand what you are dealing with but things have changed and are different now. My husband helps with the house and does more than I since I became sick. Does your husband suffer from mental health issues? What does he have FMLA for? If your stepdaughter has anxiety, it could easily keep her inside with butt glued to couch. Is she seeking help?