I'm really sorry you are in this situation and I understand your guilty feeling.. I do not agree with what is said above about dogs sleeping all day and not caring about how much their humans are there with them as long as they are lovedā¦ (sorry..) If I were you I would think hard about keeping him or not. If you know your situation will not change and you can find someone who can offer him more, I think you are doing what is best for the dog by giving him a new home.
If you believe this situation will only be temporarily or if you can't find that better home, then you can try to make things a bit better for Tucker by giving him more quality time in the morning. I believe 20 min is too little time to get the energy out of a 2 year old pup. After an 8 hour sleep during the night and before 11 hours of laying in a kennel/x-pen during the day a dog needs a lot more than 20 min.. If you could get up earlier, you could try to walk/cycle Tucker for like about 45-60 min? I think loosing some of his energy will also help with him being less destructive when loose in the house.
Mabye you can try to find a nice neighbour/family member/etc who could walk Tucker during the day? Even if it was only one day per week, that's better than none š Also, if the daycare is too expensive for the entire week, maybe you can only bring him one or two days per week?
Just thinking out loud here š I hope I don't sound harsh.. And I hope you find some ways to make it a better situation for Tucker and yourself.