Thank god you have the option of a good full time job - many women would not be in such s good position.
First of all - have you done the math? Compared to freelancing and working from home, does this new job truly pay better when you include the increased child care costs? Does it include benefits especially medical coverage?
If the answer is yes, I would take the job.
I know it will be very difficult but not as difficult as falling into financial ruin. In fact I suggest you also consult an attorney just to find out what your options are for protecting yourself financially. After all, you have the debt of a house which is not in salable condition and presumably has no equity.
As for why he got fired - he's an anesthesiologist isn't he?
Reasons for sudden termination of a physician like that might include: - drug addiction (a bit of an occupational hazard in anesthesia)
- moral charges - sexual harassment, inappropriate behavior with a patient, or breaking company rules about dating somebody who works directly under you
- gross negligence - making bad medical mistakes that result in harm to patients
- unreliability - if he's just not showing up on time for shifts etc.
Generally an abrupt termination like that is for something bad that the hospital feels could cause a liability to them; otherwise it would be more like an ordinary job loss.
He probably will get another job elsewhere eventually but if he doesn't deal with whatever got him in trouble this time he will continue to have employment problems. I would make your own employment decisions assuming he may not be regularly employed.
Also - re:health insurance: if he and you were insured through his employer, you have only thirty days to either COBRA that insurance or find a new individual plan. I'd get on the right away since even if your new job offers benefits there's often a waiting period like 3 or 6 months. Don't let yourself go uninsured.
