<prompt> Human: Im a stay at home mom to a young toddler. My husband makes 55k a year currently in a career where hes set to likely top out around 85k in 10-15 years. We have no debt and 20,000 in savings. One car. Currently renting. I am 25 years old if that matters.I have a BS in Psychology, which was probably a mistake. I had visions of continuing to grad school before we decided to have a baby. The reason Im a stay at home mom which Ive come to find out are dirty words to a lot of people apparently is because we cant justify the costs of a good daycare against what would be a low income from me. In other words, I dont want to work in a job that would not further my career goals and keep me away from baby just to cover the daycare and second car. I do feel lucky I can be with my baby and cherish our time right now. Also, there is no family that can help or watch our child.My problem? I do not want to be a stay at home mom forever. We are not struggling we are used to being somewhat frugal but we are not as comfortable as we want to be as parents. Ideally, my husband would love to be a stay at home dad and I would bring home enough for us all to be comfortable as in not paycheck to paycheck.What would you do? It seems like the obvious thing would be to spend the savings andor maybe loans on getting my masters in something high paying and in demand. When I consider doing that though, it makes me feel nauseous. What if I couldnt find a job after all that and our savings was wasted? I cant help but feel worried after graduating in 2012 and seemingly half the people I knew couldnt find a job and the other half underpaid. Also, I would feel guilty using money my family might need or could buy us a house.Could it be better to just get a certification or something? Is there something I could do with a psychology degree and a large gap in employment without paying for more school?Assuming I care about job security, money and decent work-life balance, what would be the safest career options?Wow that was longer than I anticipated, Im sorry. Thank you all in advance, I deeply appreciate it.  <response>: In general, if you have to pay out of pocket for the graduate degree, its not in demand at all. People are mistaken when they think of a graduate degree as an automatic increase in income from a bachelors. In many of the cases where that is true, those people already have a bachelors in a similar field and are working in that field already. 