Get momma working once the baby gets here. Get some family to watch the baby or a cheap nanny and get momma a decent paying job with health benefits.

Keep plugging away and go get that Regional Job. Your pay could be as low as 18K but you might score some good lines and get up to $25K. Quit having babies, keep momma working and put your 2-3 years in at the Regionals. Upgrade on "whatever" ASAP and log that PIC time. Keep your expenses low. One huge mistake made is that when the poor broke FO upgrades, they upgrade everything else: House, car, etc. Live in a house trailer or rent a small home. Bank some cash for the bad days like strikes, lay offs or when you want to work for the big boys like CAL that will not offer you benefits for 6 months and pay you like a 1st year regional pilot.

Don't let the nay sayers talk you out of this career. It still is the best job in the world. Don't get ground down in the present. Set your goals high, like SWA or FedEx and go for it.

Good luck
A330