How did this happen

How did we get so far in debt that we are just drowning. No matter how much we cut save the money just isn't coming in. I wish I could just magically make it all go away. I wish we could just have a clean slate and start over b/c I would never let this happen. I am so worried about losing everything. I worry we will never be able to have a 2nd kid b/c well we can barely even maintain health insurance how could we bring another child into that.
Kevin can't maintain steady work, I can't get a full time job that pays well enough and my business well it just isn't really happening. ARGH.