A few years ago, after the birth of our second child, my
husband and I were trying to decide whether or not it would be
possible for me to stay home.

At first we thought that since we were just about breaking
even, there was no way we could ever make it happen. But when
we decided to actually put pen to paper and calculate our bottom
line with and without my salary, we were quite surprised.

What we found was that it was actually costing us to have
both of us working.

While that may not be the case for everyone, you may find
that the second salary brings in much, much less than you think
it does.

According to Jan MacGregor, a financial consultant and former
analyst,