<prompt> Human: Long story short my wife is attending a one year program to earn a certification. This one year program will be a 9-5 M-F, year round class, so she will have to quit her full time job to work part time on weekends.I ran the numbers and with her lack of income we would be in a 1400 deficit per monthexisting loans and monthly expenses. If I stop contributing to my retirement account while shes in school, I think we will be able to make ends meet assuming she works about 10-20 hours a week part time. Or would it be best to take out more loans to account for our deficit instead?  <response>: It wont be the end of the world. Unless you come up with more reasons not to contribute after shes graduated. Then its about behavior not finance. 