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The moment that changed it all Even though I was almost certain there wasn t any possible way to tackle our debt, I couldn t shake the feeling that we d need more financial flexibility as a permanent part of our lives.  That feeling was soon validated with the birth of our first child. As soon as she came, I realized that I wanted to be a stay-at-home mom for as long as I possibly could. My husband was in agreement.  Sadly, I do remember the joy of giving birth almost being overshadowed by the fear of not being able to achieve this dream. For many months after her birth, I dreaded when the clock would run out on our finances, forcing me to work outside the home. 

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