In terms of encouragement - you are doing great! both overall , and especially for your age.
As others said, maintaining family happiness, making your DW happy , is (or at least should be) your highest priority. family troubles and divorce will f$ck yup your finances (in addition to EVERYTHING else) much more than any other life action you may take or that may happen to you.
for investments
- 0.7 expense ratio is very, very high for me. Mine are 1/7 of yours (I am in US) and that is including expensive 403b that my wife still has.
- step away from dividends, it is a dumb play for dumb money. your are trading very real taxes for perception of 'security' and to deal with inner emotional monkey that somehow fears 'selling the principal'. Besides being total BS, it is mathematically not going to work in your favor, focus on total return and at regular intervals refill your spending account. If companies happen to pay dividends (taking away your ability to decide if and when to take profit or loss), ok, whatever. but chasing them and paying more to hold them is dumb. chasing anything more complex (covered calls ,etc) or any form of derivatives is even worse.
- be aware of home country bias, Canada is a fairly small part of the world economy and one that is heavily connected to natural resources. your financial portfolio should be diversified geographically and across asset classes.