Wife and I just took out a personal loan for 10k to pay off a credit card which has gotten up to 11k. We understand finances and pay attention to it. But 2 kids demand a lot more attention and money. Paying twice my mortgage per month for daycare. $600/ week for 2 kids attending daycare 3 days a week. Spent $25k on daycare in 2022, dependent care FSA only let's you save $5,000 pre-tax. Meanwhile churches operate tax free in this country.