Similar for me in 1983 - laid off, 1-yr old at home, wife in grad school all the time, Mr. Mom, lots of worry. I'd tidied up a brown ladies' Schwinn Super Sport that someone had put out for trash,and put a kiddie seat on it. My son and I rode it all over the place for 5 months. I've fond memories of that interlude. 28 years later I can say with some conviction that you'll be just fine.