<prompt> Human: I am 24, married, and with an 8 month old little boy. My wife will soon be a stay at home mother. We are a little over extended in debt with credit cards an a couple loans from the bank. We can afford for my wife to stay home and get the bills paid, But just barely. We would enjoy the little extra cushion for obvious reasons. Any advice and ideas is greatly appreciated. If you need any more information regarding me and my situation please ask, I will answer all. Assistant: Can your wife work part time? Human: She already works part time and it is counter productive because the majority of her income goes to daycare for my boy  <response>: Thats not counterproductive, its extra income. The majority of her income goes to daycare. The entirety doesnt. If its a few bucks, its not worth it. If its a couple hundred bucks a month and youre admittedly overextended in debt, then its totally worth it. 