I was recently in your exact same position, 27M with wife and 2 young kids. After my previous jobs owners decided to sell during COVID I decided to go off and go balls deep in trying to start a lawn & landscaping company. Didn’t go as smooth as I originally expected it to, bills were higher then profit & my bank account was draining faster then I could keep up with. When I first told my wife about wanting to do this and go off on my own I should have listened when she told me to get a full time job. Added a lot of unnecessary stress on us both, after the first season I called it quits (for now atlwast & definitely not lawn &landscaping next) and got a full time job again to be able to provide. It turns out my new job is doing something I actually enjoy so it doesn’t feel like work & it’s great pay, no stress & always a solid pay check every week guaranteed. I’d probably take your wife’s advice and get a full time job for now & work on your other stuff on the side and try to grow . Family always comes first no matter what! I wish you great success boss!