Which province are you in? In BC licensed family child care allows for 4 under 4 Yo. School starts at 5 years and has also begun as full days. We struggle out here as well, even with 4, we can however have up to 7. If you are running full at 7 then income really should be around $3000-$4000 per month before tax and running costs. I however am not full, I'm running with 4/5dcks right now so the income is a bit less then where I need it to be also because my own child fits in these ratios. **Sigh**