I was a single Mom of 4 children for many years. I was on subsidy and I don't know how I would have survived without it and I feel very bad for people who are struggling to make ends meet.

However, every single family seems to be struggling to make ends meet no matter how much they make because the more you make the more you spend. If you make $80,000/year then you have a bigger house, better furniture, nicer vehicles, but it's still all loans and credit, so you can't win.

I hate the words 'I can't afford that' because I truly believe you afford what you decide you can afford. So my rates are very reasonable and I feel comfortable with the living I'm making even though some of my clients make $80,000/year and I certainly DO NOT! I try not to think about it. But when I see families paying $1000/month for a couple of children for daycare it just blows my mind. I don't know how they do it.