I am in the process of separating, which is leading to a divorce. We haven't discussed custody arrangements yet. My original plan was a 60/40 split. However, as I review my bills, I realize that until I complete my nursing degree in 2027, my income is only about $3,000 a month. With my current expenses, I have nothing left over to provide for my children, whether that means buying them clothes or signing them up for extracurricular activities.

I’m waiting to hear back from work about the possibility of shifting from 12-hour shifts to either 16- or 18-hour shifts a month. If I can make that change, then I should be able to maintain the 60/40 custody arrangement.

Has anyone else ever faced this devastating realization?