[HRFats]

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if you have a $40,000 bankroll why are you only making $20k a year.

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I think it's because her husband also plays and he made $20K last year as well.

So it sounds like you need the money so you can buy a house. Why don't you limit your play to times when your child is in bed either at night or morning or both. Let your husband keep his schedule so he still makes his $20k. You will save $5k in daycare (how much ARE you paying?) and can probably make $6k playing mornings, nights and weekends ($500 a month should not be a problem).

So you save $5k, make $6k that becomes $4500 after taxes for a total of almost $10k. You're in the EXACT same position , your son is no longer in daycare and you are only playing half the hours you were playing before - and you don't need to take a job...