<prompt> Human: Someone suggested I cross post this here...not sure if it will help. Keep in mind that I am the gambling type when it comes to investing in businesses or anything for that matter. I know 40k isnt a whole lot of money but its all I have so I want to make the most of it. Thanks in advance for any helpful suggestions.Assistant: What is your wifes employment status? If she can get a job that pays more than the cost of paying for child care a few hours a day or if your kids are older than 11 or so then she should be working as well.Human: Wife has a Masters degree in elementary education but hasnt worked in over 10 years since our children were born. We are both looking for work now.  <response>: Could your wife open a home daycare? That brings in good money. 