text:  Because if you run the formula based on a fourth of your take-home pay with her income and then she comes home, you are going to be house poor. That's going to strap you, and that's not going to work for you. Travis is in Buffalo. Hey, Travis, what's up? How you doing? Better than I deserve, sir. How can I help? Well, I was calling basically because, you know, I've heard it said –