What others have said here - cut your debt.
Also cut out the $6 lattes at Starbucks, and start packing lunch.
Chances are good in a year or two just doing that, you'll find extra money for another pin (No TAF or TZ but some pin).
Also, tell your boss that you're tired of 90+ hour weeks.
I did that for 12 years, all over the globe, and it got me nadda.
That and having 1 kid (and soon 2), will quick enough put you on 'the wrong side of the dirt.'
If your employer is having you do 90-hour weeks, you need a new employer.
(Better yet, if your skills or trade can support it - go into business for yourself. That way you can schedule work and customers around certain show weekends, etc., and the playtime we all know and love).
Also, doing that frees up time that you can (and should) spend with your kids while they're young.
