I take my hat off to you, op, I really do. I struggle with my children as DH works long hours, so I'm always coming across that ticket for 3 problem. DH doesn't want to go anywhere that sells tickets on his day off, but that's another story!
I find there are so many times I'm left to make all the decisions, it makes me think about how it must be to not even have the illusion of shared decisions that I have. I really do sympathise.
One thing about the male role model, there are so many children with bad role models that I think no male around is better than a nightmare example or experience for the children. But that's my opinion, I'm sure someone will come along and disagree with me.
As for money worries? That will pass too. As the years role on, things change. Nobody struggles forever. Yes everyone want to win the lotto and yes everyone gets used to having more so becomes dissatisfied in the end, but money can't buy good parenting and you can at least give that. I was brought up in a. Dry poor family and it's given me the confidence that I can survive. No I can't have what I want, but I can survive. It's a powerful thing to know as I think you aren't as overwhelmed as you might otherwise be. But it's unpleasant to have no extras to throw around.
My Mum isn't in relative poverty anymore but she still shops for bargains and follows Jack monroe cooking on a shoestring tips, that sort of thing. I think it's in her blood! I think it's in mine too, as I'm really careful with money now. I remember one Christmas about 20 years ago I only have a tenner in the bank and thing to buy xmas dinner or presents for anyone. We got through it, but it was hard. I thought it would never change but it has, and I'm ok now. So life doesn't stay the same. And it won't for you either.