Mary Jo Galusha, 67, a school teacher from Idaho, had a clear picture of how her retirement would look. Quiet mornings, self-care, reading time, and maybe a little gardening. Then her daughter, Stacia Bourne, called with news. Bourne’s first child’s daycare bill nearly matched the family mortgage. Bourne and her husband even hesitated to have a second child. But that ended in a question: could they actually afford a second baby?
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