Ask for what you are worth. Don't accept less. If you focus on what you love to do you will naturally excel and be worth more over time.
The best career move is to get in on early on something with big growth potential. Your skills and knowledge will not only grow as you exercise them but they will grow in value as the field grows in importance. Know your value.
You are right to consider carefully the impact on your family. Those lean early years are a hard road. Every dollar you save today is worth 10 in retirement. It takes self knowledge and emotional intelligence to know how hard to push and when to cut yourself (and your wife) some slack.
I'm always available to offer advice and counsel. ❤️