

Well 60 hours work week is tough and having children to take care of is going to be even harder. You’ll manage a while but not forever.
Find another job that lets you get away with 40 hours would be my first suggestion. Moving somewhere where pay to living cost ratio is better would also be an option.

It’s not practical but it’s easy to target a few interesting individuals.
Also it’s inconvenient to encrypt and decrypt physical mail.