Josh (Caller)

Usually what ends up happening is one spouse wants to stay home.

And the biggest issue and the biggest barrier to that is their mortgage, right?

Because once they lose that other income, the mortgage, which was 25% of their take home, becomes 50% of their take home, right?

So that's really one of the biggest barriers.

pitfalls that if you can avoid that, yeah, you're setting yourself up for success.

So your income going up to 182 and his remaining at 150.

Yeah.

The question is, can you guys live off of 150 or whatever it is that you foresee his income to be in the next year or two, whenever the family starts?

And so that would, it would change our lifestyle, how we tie everything about our budget.

That's a big, I mean, that's a $200,000 jump down.

Right.

Do you guys have any debt?

We don't, thankfully.

Okay, that's good.

And so it's hard for him to find an industry role where he has the exact background that they're looking for.

And the market's just bad right now in general for hiring.

The best thing you could do is to test it before it's actually real.

And I mean, it's going to be hard with a $3,000 a month mortgage, but get a sense and say, okay, for the next two months, we're going to live off of the net amount of $100,000.

And let's see what that feels like.

And you have...