I suspect you don't know me so don't dare to assume you think it's due to shame Ellie.
I was just working from the common operative that midlife males define themselves by their work and "provider" ability and therefore generalizing that you might have an issue there.
And while I agree it's important to protect your kids =- have they never had a babysitter? Do you really think, say, a 22 year old female grad student would pose a threat to your kids?
I'm just saying, there are perfectly trustworthy people out there who could rent that room and help solve your problem AND bring something fresh and rewarding to the household.
But if that's just off the table for you, are there other areas where you could think creatively - out of the box - to solve the financial issues?