<prompt> Human: With baby 2 on the way, my wife I are looking at the math of having her stay-at-home, instead of paying for daycare. Current day care costs are about 15,000year prior to tax benefits, and 2 kids would be close to 27,000year. It would require changing around some investments to be more focused on income production, to make-up for the loss of her salary. Some assumptions were making:1. Removal of daycare costs2. Increase of home energyheating costs3. Decrease in commuting costs for herIs there anything were missing or not considering?  <response>: An increase in desire to spend money during the day, when youd otherwise be at the office.Your wife is going to be bored, and would like to go do things that other stay-at-home moms do with their kids. Not exactly a bad thing Its kind of the reason to have a stay-at-home mom.. experiences but definitely a cost. 