Hey man hang in there. I'm 21 and I already have an 18 month old daughter. I'm going into the computer field too and right now I'm going to school majoring in Information and Computer Science. Having just certificates won't land you a $25-$30/hour job because when you apply for those jobs, people with college degrees will compete with you. Taking class is a good start but I've been using Mike Meyers A+ book and I'm almost finish after two weeks. Here in Orange County, CA, having A+ and Net+ will land you an average $12-$14/hour job on the entry level, meaning having little experience. I don't know much about the MS certificates but I think those are pretty hard to get and when you try to apply for a job with a MS cert, more than likely someone with a cert AND a degree will apply also. I'm guessing you're not going to school cause working overtime is impossible for school.
Here's an advice and some encouragement, even though I'm only 21 and might not know much. Education is one of the most important thing in your life. You are making a good decision to try and better yourself by taking classes and achieve greater success. Just because you have a baby coming doesn't mean you're worse off than everybody. I don't know how old you are but having a baby at age 20 ain't a walk in the park. I'm struggling too but I am confident and motivated. Always try and better yourself, don't be at a stand still. GOOD LUCK MAN!!