You write beautifully, and that's a very moving post. I hate to sound, Idk... But I really relate to how you feel. Both my wife and I talked about this modern problem long before we were married. And it took us quite a few years to find a solution, and even longer as you say to start on our journey towards freedom. Financial, and otherwise.
We moved to Portugal a month ago, and would like to offer a way out, an economic practical model to live life free of the economic anxiety we all know too well.
If this interests you, @eco-alex wrote a great post about the idea.
I don't know you so I don't know if it will speak to you, but I believe in this project enough to bet my sons future on it, so I owe it to you to share the information. Please feel free to do with it what is best for you.
https://steemit.com/ecotrain/@eco-alex/steem-ecovillage-update-land-aquired-in-portugal-website-launch-ecovillage-token-is-live

Namaste