And while I agree it's important to protect your kids =- have they never had a babysitter? Do you really think, say, a 22 year old female grad student would pose a threat to your kids?
Are you ready? Other than family and the RARE 'Older lady babysitter', they have not had babysitters. My W had always been afraid they would be abused like she was by the 'babysitter' next door.
The 'female college student' would be great. I don't think it would go over well - an middle aged divorced man renting a room to a young single girl. And a male of any age is not an option.
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But if that's just off the table for you, are there other areas where you could think creatively - out of the box - to solve the financial issues?
I have been. I'm cutting back where I can. It's really all about fixing my mindset and doing what I do best - build things and get paid for it.