I'd be more concerned about that if I were looking at my current economic situation continuing for the long term, but realistically once both kids are in school (which might happen within 12 months even!) my wife can start working, plus I haven't reached the coasting phase of my career yet, so I have plenty of opportunity to increase me income.

This year's tax credit will be paying off the last of the nasty debt accrued from my wifes various jobless phases before I went back to college and started making just enough that she didn't need to work anymore, so that'll be $200ish/mo back in our pockets to start building a proper emergency fund then figure it out from there. Plus my special needs child should have Medicaid very soon which will be another $200ish/mo back in our pockets as well given his very expensive appointments that had us to hit the deductible before March