If you truly love children and have a stable, happy household other than the financial issues, have you checked into being foster parents? I would limit myself to children younger by 3 years or more than your own..perhaps a couple of 3-5 year olds if possible, perhaps a sibling group. I know you are not supposed to be foster parents just for the very modest money, but there are two of you home at the present time and you have a security background, presumably would pass a background check, and your wife has done child care as well as your own children. You shouldn't do this only for the money, which ranges from awful to OK in some states, but there is nothing wrong iwth it being a factor that enables your wife to stay home, or you..perhaps not both of you. mg