we have looked together in the past and she has literally vomited because of nerves
...
I definitely feel for her with that. I actually became an "at home fiancee" because I was nauseated and crying every morning on my way to work...DH finally took pity on me and told me to quit.
But I'm sure if we were ever in such dire straits, I'd deal with it, get the "nicest" job I could find (fabric store? craft store? some other place that I feel basically comfortable in), and help out.
And yeah, the kids should be working in some way. I had a summer job from the moment I legally could, because my mom grew tired of my lazy way of looking for work, and told me that when I got home that evening, I had better have a job. Turns out Jack in the Box was hiring! I worked a work study job all through undergrad and grad school, and even worked at a grocery store as well in grad school.
So yes the kids should have jobs.
My dad and stepmom have let their grown sons laze about. They are 27 and 25 years old (OMG that's disturbing, so old now!), and only one has *some* employment. The older has caused SO much debt it's ridiculous (my dad signing the lease for two different college rental houses, my brother never having anyone else sign a lease, then my dad is responsible for the damage done, for one example), and still doesn't have any job I've ever heard of.
My dad and stepmom, for those reasons and some others (mortgage problems and I have a half sis in HS as well), had to put basicall an entire year of living on credit cards back in '07. They are still paying vast sums of money on those cards and just the amount of interest they pay per month makes me ill.
I definitely feel for their situation and yours, and hope you can *at least* get the kids working soon! And since they are adults, if they are fine with getting jobs, they should just do it! They don't need their mom's permission to help out with finances.
I'm sorry you're feeling so old. We're the same age and I can tell you that 40 doesn't always feel so old...it's definitely something being caused by the finances (and health), so if you can take care of those things, you should feel younger again.