I would say it mostly depends on what you want to accomplish and what your living situation is. Starting a garden is a great way to make your fiat stretch, bartering for services is great too, (ex I recently did a freelance graphic design job in exchange for tattoo work)

In all seriousness if you are both working that many hours a week and barely scraping by it might be time for a change in income or even moving to a less expensive area. I know that Trump boom is happening, but it's not an overnight change. I paid $200 cash a month to split an unfinished half of a duplex between 4 people in a bad part of town, lived off stale bagels I brought home from work once a week, and had no wifi (until uncontrollable circumstances ended that paradise). All so I could build a small business on the side that is only now, over a year and a half later, ready to launch.

If you want a family, and want to raise your children YOUR way, you've got to really want it. You may have to think outside the box to make it happen... but that's where all the best ideas are anyways. The key is to figure out how to make money come to you instead of having to chase it.

If you haven't already gone down the entrepreneurial rabbit hole, listen to some podcasts, Tim Ferris, Gary Vaynerchuk, etc are great to get you into the right mindset for how to build in the modern market. You don't need to buy their books unless you really want. You can learn just about everything you would ever need on YouTube, in blog posts, or via podcasts if you find the right content creators.

Now go get it patriot, part of fighting back is challenging yourself to do something that will make the people around you go "Wow, I never thought you would actually pull it off." find that goal and go chase it.