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Moms in their 30’s

Need Real Advice

✨Long Post✨

I have been with my husband for 6.5 years and we have a 1 year old. My husband is honestly my best friend and love of my life. We’ve worked through a lot of childhood trauma and communication issues together and really are in one of the healthier parts of our relationship. He hasn’t ever had consistent works since we’ve been together - since we met during COVID. He is a bartender and has a hard time with management styles. He is very creative and charismatic but just struggles taking direction sometimes. I have been the sole income earner since 2 weeks before our baby was born which is really stressful. On top of that, I am a frugal person and have never had large debt before. Since being with my husband, we are now in the tens of thousands of dollars of debt. We have dipped into my retirement fund twice also to help pay off debts. He also has previous school debt, medical bills, and tax debt that he has been avoiding. WHAT DO I DO?!? I have told him many times we need to get this sorted, we need to meet with a financial advisor and figure this out. He needs a consistent and well-paying job. He knows all this but still just struggles to get motivated and moving. He is the absolute best dad and I love being with him. But is that enough?? I can’t comprehend having any more kids with him, let alone taking care of the one we’ve got on my income alone.

Please help, would love some realistic advice.