Don't get me wrong I am not criticising anyone who works and pays for childcare for whatever reason, but personally, I didn't wait til my late 30s to have a baby to do that. We were on one income before Ethan was born (mine) and we are on one income now (his). We are financially stoney broke but that is the choice we made. I go without any luxuries whatsoever, no new clothes, no make up, using cheaper brands of everything than I used to and I have only had my hair cut once since Ethan was born.