The good people on this site give me faith(everyone that posted replies to sparky66 especially Greg and you sparky). Sparky, sorry I don't have any good advice for you, as a one man show for about 18 months I can certainly relate to some of what you're going through. I would just like to say, in whatever you decide to do, try not to give up on yourself. All good electricians, like yourself, have this built into them. Remember those really tough jobs that only got completed because you were too determined or too stuborn to let them get the best of you.
Every day sucking air is a gift. Life is short and I hope you can find some time enjoy it. All the best to you and your family.