In that case, I can suggest that your happiness (and 'effortless' productivity) can stem from wanting to dig yourself out of that hole and "set your family up for life" - because looks like you've committed to that direction.

This is easily construable as a presumptuous statement, these things are so much easier said than done. I have no right to play "guru" out here. I just care that a fellow peer in this same struggle is unhappy and talking to you as I would talk to myself and self-counsel.

Whatever you do, good luck, because you don't seem like one of the "bad people". Cheers.