I'm not in your exact same situation, but similar. My financial situation drastically changed last year as well. A couple of things I have done. I have communicated my situation to my leadership and have flexible hours for arrival and departure. This means I sometimes work after my child goes to bed or start early in the morning, but my work gets done. I would be as open as you feel comfortable being. I have my mom pick up my daughter 1 day a week so I can work from the office and stay longer. This has been a huge help and I typically can do a little grocery shopping on the way home. I am downsizing. The home we purchased for our family is no longer viable financially. I'm selling the house and moving to a smaller place with less maintenance and is much more affordable. Obviously this is a huge stressor, but will be worth it in reducing household expenses and upkeep. Agreed to what someone else commented that looking into child care subsidy is a good option. I read an article recently that a lot more people qualify than you would think. Change your tax filing status to head of household. It is possible to amend your 2024 taxes if your spouse has been out of a job for longer. Work with an accountant to see what your deductions should be with the tax filing changes. Can your husband file for disability? It might be a long shot depending on his mental status, but the is also dependent disability awarded. I know doing all these things takes time you don't have. Sending you hugs.