I'm happy that people like you out there have a positive experience with marriage and kids. I can only explain why I think it's a bad decision, and I get that not everyone sees it that way. That's totally cool -- everyone's got their own story.
From my perspective, I feel for the OP because of the obvious roadblocks he's facing that are, in no small part, created by his very real need to provide for his family. I'm sure he doesn't see those are roadblocks, but someone from my life view certainly does. He needs more money and he can't exactly pick up and move to California because there are multiple people in his life that are rooted to Indianapolis. With my situation, I could pack up and leave by tonight and be in Alaska tomorrow for a great job -- it's an arrangement that I wouldn't trade with him for anything in the world.
You're not wrong that I should leave someone in a situation like that, but she keeps telling me that she understands I don't want marriage or kids. Maybe she really doesn't want them either -- I've just never met a woman who wouldn't say what she needs to say in order to eventually "change" her man's mind. Short of dumping her when she's telling me the truth, I can only just remain honest and upfront with her.
I'm not putting a gun to her head -- she could leave me whenever she wants. She's 32 and a grown woman capable of making her own decisions.