According to her schedule, she is working more than 60 hours a week doing cleaning jobs and watching other people's kids. Is she getting paid for this work? What is she doing with the income?

Original Poster - are you a public school teacher? Instead of posting your take-home, what is your actual salary before taxes. These numbers don't make sense to me. You have 5 deductions plus mortgage interest. Your taxes should be extremely low. The numbers suggest that your gross is around $33,000 which is almost nothing for a teacher with over 20 years experience.