Here are my thoughts :
Hand $32k over to your wife....never ask for this $32k back from your wife so that you can trade with it..... With the $10k balance trade carefully....risk no more than 1-2 percent of the $10k per trade. Do not move your stop losses in any losing trade....let losing trades stop out. Let your winning trades run until atleast your profit approximately equates to 2 to 3 times your risked stake (pre-define and set your exits with set limits). Start with 2-3 new trades per week.....as and if your account balance increases, you can increase your trading frequency to maybe 3 to 5 new trades per week. Whatever you do, do not sit in front of you computer screen watching your trades all day long....use this time to find work or make your business work....
When you look for possible trades to place....spend some time researching / studying the market instruments, price action....historical data as well as forecasts of where the pricing may go. Chose your entries and exits stubbornly...do not get impatient and rush in...know what you want to buy or sell at...and stick to your guns on price entry and exit. If you miss your entry because the market didn't pick up your order....then thats ok...move on to your next trading opportunity......
Whatever you do....don't give up....just make sure that you risk little sums of money so that you live to fight another day....theres lots of money in this game....thats all it is...a game....you'll find traction and your rhythm if you take it slow...small trades add up....dont try to get rich quick...there is a long journey ahead....requires lots of planning if you want to get to the finishing line in one piece....remember....you can always add to winning trades....you cannot afford to do nothing or fail in your pursuits, your family is depending on you to succeed!....keep it simple and good luck!