career change at 32

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That would be a bad idea for me as I'd have to quit my job which has a worse outlook than nursing. I appreciate the advice but it's not practical in our case.

My wife actually suggested getting job as a waitress or something of that sort but I told that's not going to work with around 10% unemployment and it wouldn't make enough enough to offset daycare costs.

Why not start a daycare? She could watch another kid or two to help out with costs. Heck, you could even do it under the table and make cash.

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For what it's worth:

My mom's career when I was born was as a mechanical engineer. She worked this job for 20 years (from the age of 23 to 43) then went back to school because she wanted to be a teacher. She makes a lot less money now, but she's much happier as a high school physics teacher. And she was way older than you were when she went back to school. It can be done!

Very cool.