Answer:

Yes, it is stupid to ask. You have no money or credit, so let's focus on what you DO have: a wife and audio/visual experience so I'm thinking you jack a camcorder, get some gold teeth, a cane, a purple suit and a feathered hat, pimp your wife out and film it to sell on the streetcorner. You will get to be your own boss, and hers too! Successful business here you come!