<prompt> Human: Hi rpersonalfinance,This is my first post and Im looking for sound advice.As the only source of income for family with stay at home wife and a 2 year old, and a baby due in August, I am stuck in a financialpsychological dilemma...Our bills and expenses every month total about 5,100, which means I need to earn about 7k gross to break even from my job as a manager at a car dealership. This is not a problem for us because my current income is above 10k gross which leaves me with 2-3k net after billsexpenses. Now, we dont do the best sticking to a strict budget, but weve managed to save about 9k which isnt much considering Ive had this level of income for about 2 years. Heres the dilemma: I am miserable doing this job. The hours, the ethical gray areas my colleagues live in, the 1 hour commute each way, not seeing my family much, and never having more than 1 day off at a time with about 5-6 total each month has driven me to depression which Ive sought help for.Ive decided to make a career change for my sanity, soul, and marriage and have found only 1 viable option which is still quite risky...to become an Independent Claims Adjuster. I have already invested in all the equipment I need, and I am licensed and have been training as an apprentice with an Independent one day a month to practice before I decide to apply to firms to be on their deployment roster. I am pressured by my wife to jump in now, with less than 2 months of bills saved although I have an 18k credit card with 0 balance. Because I can only get a chance to deploy when theres a catastrophe hurricanes, etc, I either need to be ready by JulyAugust of this year or wait one more year to save more money. Im expecting to shell out 2-3k for a roof repair and another 1500 before August for the new baby, what is the best decision to make between applying for deployment in a couple months with little savings and hoping I can make enough money from one deployment to last me until I can get daily claims or another deployment or sell cars in between and maybe earn enough, or should I risk the psychological damage and hardship on my marriagebut save more money and wait another year?I often fantasize about bankruptcy so I can leave this job but my wife is against it and Im not sure what the consequences would entail. Please help with any advice, and I apologize for the novel. Thank you in advance!Edit: Ive read the rules and I dont believe this violates 9, but Im new so please let me know if this isnt appropriate to ask here  <response>: Start working on sticking to a budget and reducing that current 5100month expenditure first. 