How does this happen though? It's not like you wake up one day, look around and see you've started life in the middle, you're married and have kids, and you hate your spouse. Did your spouse have a stroke and undergo some massive personality change or something?

Assuming you want a family, your very top priority when evaluating someone for dating from the very beginning should be whether that person would make a good spouse and help you to form that family. Otherwise what are you even doing? Someone who can't commit is its own red flag for that purpose. If you have kids, that's it. You're in it. You need to be committed.

And having a job doesn't mean you're independent of your spouse anyway. If one of us died or we split, it'd be absolutely devastating to our family regardless of the money (e.g. if life insurance/social security covered everything). I would be hugely screwed trying to raise the kids without her, job notwithstanding.