1. Listen to your wife - don't work on any projects with promises of equity. Cash only .
2. Focus a lot more on contracts and project management - change orders, scope creep, etc.
3. Build up your own cash reserves to provide credit to yourself. That account must always be fluid, even if that requires you working at Home Depot part time.
4. You'll soon know, if you aren't booked for August or December/January a couple of months ahead of time, you'll be dead slow. Do everything you can to schedule work months out, and if you're not booked, more part time work or perhaps vacation time.
5. Find good people to work for you. Do everything you can to keep them with you. Cut people loose when you're getting nervous about that. Make sure you have great contracts with them, everything in version control, and be ready to cut people loose and tell client you need more time.
6. Do as much as you can do yourself. Go visit clients regularly, even if you feel like you don't really need to.