good idea --- 家裏休息一陣時間，再生個老三

What is your definition of "人到中年" ?
35 or 40 ?

Here is my roadmap for you:
1. get a lay-off package OR simply kick the xss of the 克星女老板;
2. 休息一陣時間;
3. 再生個老三 (not 小三);
4. 再生個老4;

房貸的壓力?  trust me, your 老公can handle that.

Your 工作:  $1K ~ $1M;
Family (家裏人相處): Priceless.