<prompt> Human: First, were both 37 edited in.Were waiting for her to get all of her information together for a conversation on a possible budget that meets her goals. I thought that having PFs input would be valuable to that discussion.We live in Portland, OR, and thankfully own a house so were not getting priced out of the town. I make 40kyr working for myself, and am seeing slow growth every year in my business. But my fiance has decided that the work she wants to focus on is baby making and raising also, she has generally hated the jobs shes had. Needless to say, this makes me nervous for a number of reasons. For instance, my company does not offer health insurance.A brief list of our expenses follow:Mortgage is 1400mo.Electricity is 35moGas is 15mo.Sanitation is 30moCar Rental is 50moFlights for work is 1400yrInternet is 40moCar Insurance is 800yrGym Membership that I actually use a lot is 65mo.health insurance: 255moMaxing out IRA: 5,000yrThat totals to 29,940. On top of that we have normal food and recreation expenses.What do you guys think? Any input about any aspect of it would be interesting to me.Assistant: Being a stay at home mother is a privilege that most women dont have, either now or historically. Your fiancee is one of these women. Yes it sucks to have to work, but she seriously has to work. Dont let her talk you into anything if youre not ready for it, and it doesnt sound like you are.Human: I hear so much about the cost of childcare, so why pay someone to do work that she wants to do herself?  <response>: Because its cheaper to find a baby sitter or daycare then it is for her to give up her job.40k a year? Diapers, food, clothing, carriages, bottles, this that, its going to add up super fast, and your going to be the only income at 40k a year? You at 40k will provide for three human beings? Sounds border line poverty and in some states it is 