Why are you trying to raise a family on a fast-food salary?
Is it because you have lost your higher paying job and this is a bridge job?
Then my sympathy.
If you started a family without having gotten married and having a steady job, then what the heck were you thinking?
And why is a lack of planing on your part a concern on my part?
Boy that's tough. I'm pretty much with "Cool Hand Luke" ... "I never planned anything in my life"
I guess I have a certain number of virtues going for me, as I'm situated fairly well at this late point in my life, but planning ahead sure ain't one of them.