Have you guys ever thought about her getting out of the house and going (or going back) to paid work? It may not net you any more money, but there are other benefits. Doesn't sound like you would need much childcare. I haven't read all about your sitch. But I used to be a SAHM and found the return to work very energizing. I'm happier and more giving and more fun and it's been pretty good for everyone overall. But everyone does have to pitch in and do work around the house. We also have someone come in to clean every other week. Big advantage is that both my SO and I are home at the same time to be ENFORCERS! Just a thought. Oh, and SO and I also share management of household activities, child activities, etc. I'm not in charge anymore of managing all the juggling and details of all that stuff. He is as much in charge of it as I am.