> I worry that with a young child, we'd still have childcare expenses - except that instead of paying with money, we'd be paying with our time. You don't pay i

> I worry that with a young child, we'd still have childcare expenses - except that instead of paying with money, we'd be paying with our time. You don't pay income tax on your time. That's the advantage of doing yourself what you would otherwise pay for with after-tax income.