I have to say that my husband and I were really lucky when we decided to start a family. We were both financially responsible and we had cleared up all our debt so that we could start things fresh when the new one arrived. I was also able to stay at home and we did not need another income. I was lucky enough though to get some straight talk from professionals about starting a home business. I wanted something else for myself and although we were not dependent on the income it sure was nice to bring in a supplement and I had a paying job again.