Well, assuming you weren't working during those four years, you actually had negative income, rather than no income. Though of course if you have dependents it

Well, assuming you weren't working during those four years, you actually had negative income, rather than no income. Though of course if you have dependents it's different. Could be either harder, if you are the main money earner, or easier, if your wife makes enough that you can stop getting salary without sacrificing much.