Maybe if you show your husband how much less money you will be bringing home, plus the fact that you will likely be laid off in the summer by the sounds of it, he will see home daycare in a more positive light? I had a good government job (a whole lot more than minimum wage) before I opened my daycare, but we are better off financially now because we don't have to pay for two kids in daycare plus my gas, parking, meals out, work clothing, etc etc etc. You have to take all this into account.