What is the ruling on practicing masturbation by inserting the hand into the anus, and what is the ruling on the clear, viscous fluid that is discharged when speaking with the husband, given the inability to perform ghusl daily?

The practice of masturbation is forbidden (haram), and one must repent from it and not return to it. The fluid that exits from you is pre-seminal fluid (madhy), which nullifies ablution (wudu) and necessitates purification (istinja') and cleansing whatever it touched on the body or clothes, but it does not necessitate a ritual bath (ghusl). As for what necessitates ghusl, it is the emission of semen (mani).