<prompt> Human: Im currently a stay at home Mom of a 9 month old baby. As much as I love staying home with a baby is it worth it when were trying to get out of debt? Were wanting to start Financial Peace University, but its really hard to get the first step done and save 1000. My husband is a plumber and brings home between 400 and 600 weekly. We barely scrape by and thats pinching pennies. We have currently about 40,000 of debt between student loans, car payments, and medical bills. I know if I worked full time wed have to bring on daycare and another car payment because we only have one, plus extra insurance. Would the extra expenses be worth it to pay off debt faster or adding in more debt of a car and an two extra bills be counter-intuitive?  <response>: Research how much daycare costs in your area. Compare this to how much you will potentially be making, less the cost of gas to drive you there or any other expenses you would accrue by going back to work. 