Dear Steve,
I live in Rincon and work from home. My income is $20/hour because, for me, that is the choice I made. Depending on skills, you and your wife could work on elance.com. It is a freelance service. There are a lot of options and jobs on there. So, let me know if you want to learn more about elance. I do have a PhD and research skills, which helps, but there are a lot of contract jobs that don't require the education.
Thanks,
Liz
PS I live in the Estella community. It is not fancy. While it is lower income, I don't worry about crime at all.