[Mizar]

Martrixmel;
Welcome to the forum, from your post I sense you have two small children, a West-coast sized mortgage, and are concerned about the future.
Don't worry about the debt, work on it, go the public library twice a month and read books in the financial section, it's free!
As for preparing for other eventualities, keep reading here and other places on the internet, keep posting too, someone else always has an answer or has been in and out of your situation before.
M