For the past several months, I’ve been an avid Dave Ramsey fan. If you know who he is, you either like him or hate him. If you don’t know who he is, he essentially teaches people how to get rid of debt and build wealth — something he did himself after filing bankruptcy decades ago. I’ve listened to him long enough now to know that what he says works. My husband and I even use his EveryDollar budgeting app, which has been a boon for our finances.

The experience has made me think about the fact that there are many married-couple families today that would like to live on one income, if only temporarily, but are convinced they can’t. Many of these couples made professional and financial decisions prior to having children, including the purchase of a home, on the assumption they’ll always have two incomes. That was a mistake — one they were, unfortunately, encouraged to make.