First: I echo the sentiment of many here that encourage your wife to continue to stay home and raise your kids right.
Second: After taxes, unless your wife pulls in well over 6 figures, it simply isn’t worth it financially for her to work.
So there’s the monetary as well as family reason for her not to work.
Now since you guys home school, let me propose this option: Sell your Carlsbad home at $1.1 million (yes it is worth $1.2, but in this market you need to price it low for it to get noticed.)
Go to SEH and pick up something nice and big say 3,500 for $5-600,000 cash.
you get a nice neighborhood to enjoy, and since your kids are home schooled, you don’t worry about the prospect of San Marcos High.
