Re: Should I stay home?
Is that your TOTAL debt?
I wouldn't let my debt snowball out of control to save for an IVF. I think kids are important, but I think being responsible with money is important too. I realize getting out of debt is as hard as losing 100lbs. It feels like it never ends.
I think i'd quit the nanny job. Perhaps you can watch a few kids in your home, and run the child care YOUR way. There are tons of resources to learn how to start and run a childcare. You'd still be working too many hours, and you'd still be exhausted, but it's yours, and your house, so it seems more worth while.
How many hours is your husband working?