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Switch from DINK to SIWK: How do people afford kids?
If commuting is a big budget item, then can you: A side job is one way to make extra money, but I'd suggest a home business.  If your wife substitute teaches, I bet she writes fairly well, and in any case you can.  Write a personal finance blog or just a site with articles.  Focus on surviving and thriving with child(ren) in a one-income Christian household in the suburbs of Philadelphia.  Or if you have a hobby that stokes your furnace, write about that.  Heck, do both.  The content just stays there and gets traffic day after day that you can monetize. My main suggestion would be to start this now because it's not overnight money.  But in the long run it can turn into a nice, fairly passive income. The big advantage of this is that mommy gets to stay home with the kids and build up a decent business.  The cost is $10/year for the domain (per domain) and maybe $10/month for hosting. Or, if some other legitimate work-at-home business presents itself, go with that.  I suggest blogging because it's what I know, but everyone's an expert in something unique.