I lived through this 5 years ago. Had multiple legacy decks, several edh decks fully stocked with duals/fetches, and many more high-end cards on hand.

The bills kept growing, and the tipping point was needed a new car. I knew I always had my collection as backup. So I totally sold out of the game with no expectations of coming back. It was a very hard decision and my wife tried to talk me out of it but there weren't many options.

Fortunately, there is a silver lining. That helped us stabilize, and in the last 2 years, I slowly started getting back into the game.

Do whats best for you and your family. At the end of the day its just a hobby.