Confusion... is it really mine? Decisions....

After re-reading my last post, it seems that I am the one who is confused, not my kids.
They are asking totally logical questions but they just aren't the ones I was expecting yet. We're all ready for "why is the sky blue?" and all that, but haven't given much thought to questions about different types of people or families that are out there.
I did tell my son that, yes, some boys do marry other boys, but that most people happen to marry someone of the opposite sex. Is that all I need to say at this point? Do I need to add more, like it's OK to marry someone of the same sex but I'm hoping we don't have to cross that bridge? Doesn't that make it sound like I don't approve? I want to teach the kids to be accepting of all good humans out there and to care for other people no matter the color of their skin, the language they speak or if they choose a mate who has the same body parts as themselves. All of those things are easy for me to talk to them about at this point in time, but I'm wondering how I'm going to handle things when they demand more of an explanation.

The Crouse Haus is under a tremendous amount of stress lately. My job, which I've had for more than 12 years, is on shaky ground and I don't know if it will be there in a few months. My husband's clinic is having issues right now and we aren't bringing in the same income we were when we purchased this house with a huge mortgage. We've been in the red for about 9 months now and the savings have vanished. My husband seems to be totally out to lunch concerning these issues and being that I am the one who handles all the finances, I feel that I am shouldering all the stress right now. I've tried to approach the subject of possibly selling our house and his response was to bring in an extra $50/mo by renting out the side of our house to someone for RV or boat storage.
Of course, for my husband, moving "down" would be a totally shot at his ego. Here he is, working 50 hours a week at his own clinic and he can't even afford a decent house for his family. I don't look at it like that, but he does.
Our options are to try to cut costs at home -- cancel cable, never turn on lights, eat spaghetti every night, shop at used clothing stores, cut our own hair and cancel Christmas and vacations for the next 3 years.
Option 2 would be to sell our home and find a nice townhouse or possibly rent a place for a year or two.
Anyone out there rent with kids? I'm wondering if the kids will suffer by not living in a "neighborhood". Will other kids want to come over to play? We've owned a house since before we had the kids and I grew up living in a regular single family dwelling.

One thing is for sure, something's got to give. For my own mental health and the mental health of my kids, I'm hoping husband will go for option 2.