Dave Ramsey

Your house payment on his income alone is not something you're going to be able to do.

You can pull it off for a few months, but it's not going to work over the next three years.

You're going to get yourself in a pickle.

And so either your all's income, his, yours, ours, is going to go up within the next 10, 12 months or so, or you guys need to start talking about selling this house.

You can't afford $1,800 a month with $3,000 coming in.

That doesn't work.

It can work for a little while, but it will not work long term.

And so if you're making the decision to stay at home, you're simultaneously making the decision to sell the house unless his income is going to go up dramatically in the next few months.

And I don't think it is.

Your house payment ought to be a fourth of your take-home pay, not more than half.

And this is way more than half.

Yeah, and he's going to have a lot of extra hours somewhere.

Or you all sell the house.

I mean, it might be more important for you to be at home with a baby than to live in that house.

I don't care which one you do.

I just am not going to participate in you being in denial about this math.

I want you to face it head on.

Babies are the best thing ever to happen.

But they don't get a pass on math, right?

You still have to do math, even with the awesomeness of babies.