Flight instructing is like being a grad student or post-doc: lousy pay
and hours but you're building experience to something better. Or
consider it as pursuing a hobby for free. The point is that a CFI
rarely can make a career at instructing.

If that works with your situation, great. I'm just saying don't have
some starry-eyed notion of nobly teaching young lads and lassies the
essence of flight while supporting a family. But you don't sound like
a dreamer in your OP.
--
When I was a kid my favorite relative was Uncle Caveman. After
school we'd all go play in his cave, and every once in a while he
would eat one of us. It wasn't until later that I found out that
Uncle Caveman was a bear.
- Jack Handey