<prompt> Human: I really dont know what to do and hope you have suggestions: My family is 3000 in the hole each month with no relief in site.A little background. I work full-time making about 48k a year. The cost of our shitty health insurance takes 10K off the top every year. Im bringing home 2400 net a month. My entire income is eaten up by our mortgage 900, childcare 1400 and a home improvement loan 350. My SO has been unemployed for 15 months. We used our reserve and cashed his retirement fund to make ends meet. This got us through about 9 months. Once that was gone, he decided to open a business for himself.On bad months, his business brings in 0. A good month is about 1500. Thats still 1500 off from a really tight budget. He refuses to get a job or even look. He refuses to look after the children full-time and work at the same time. And, honestly, I can see why that would be a problem. He does mind our baby 2 days a week; the other child is in preschool. He also refuses to find part-time work. I just dont know what to do or how to get him to understand the financial situation. We are in serious trouble. Help.  <response>: His business is not viable. Youre bleeding money in childcare that, even on the best months, he only barely breaks even on. He needs a job that legitimizes the cost of childcare or he needs to be a stay at home dad. 