Try riding with your kids.... and even your wife if possible. Take it slow and convert your family to a cycling lifestyle over time. I think kids often take to a car free lifestyle quicker than adults do. Bicycling should be family fun! as well as good way to get around.
Think about changes you'd like to make over the next two years, starting with bikes, moving on to your health, finances, career, relationships....riding your bike will make you stronger and maybe all the other problems you face won't look as big.
I see cycling as a beginning to a new life.