I’d replace the “may” with “will”, at least for purposes of decision making. You have to plan on needing to move at least once (and often more) during the course of traditional Ph.D. training between matriculation and licensure. The chances of getting into minimally decent grad school, internship, post-doc, and decent career level position is so unlikely it should be considered impossible. I was able to do 2 out of 4 of those (grad school and, 7 years after graduation, the career part) and my partner and I consider us EXTREMELY fortunate. Limiting yourself geographically often means limiting the quality of your training as well as your salary. If your only option is to go to “Joe’s Local FSPS and Long Haul Driver Institute” with it’s captive local internship and “post doc” at a non-training focused CMHC type of setting, you should be VERY conservative with your salary predictions. If you need to take on anything more than lowish 5-figure debt tondo so, think long and hard- I’d say that’s being pretty selfish. If you have to take on 6-figure debt to do, enroll in that Long Haul Driver program. It will likely lead to you earning more and quicker!
I’d encourage you to not frame this outcome as a failure. You’re 26- I’d say your in the process of finding SOMETHING to do with your life, vs. something ELSE. There’s lots of really awesome things to do, most of which aren’t “being a psychologist.” I like what I do now, and I like the benefits of doing it, but it took awhile to get get here. I started grad school at 26 having been with my partner a few years before starting. It’s paid off, but it’s a big commitment from both of you, and I think it’s overall easier on the partner who gets to call themselves “Dr.” when it’s all over (except for doing all the school stuff- that kinda sucks, especially when your doing stats homework and your spouse is having a few beers and watching the game!)
Good luck with your decision, don’t get desperate about the dream and lower your standards, and talk to your spouse honestly about every decision point.