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However, when one young woman called Ramseys show, she ended up speaking with a more sympathetic Ramsey.

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Guilt is built into the whole program or something.

But for Americans earning more traditional salaries, child care can take a major bite out of their finances.

What does that mean for a familys finances?

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Lets say a family enrolls their kid in a high-quality daycare with tuition of $1,500 a month.

Now, lets say the parent who wants to stay home makes $50,000 a year.

They can expect to spend about $18,000 annually on daycare roughly 36% of their income.

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As Ramsey told his caller, being a parent is a high dignity position … a high calling.

But being a stay-at-home parent also comes with hidden costs.

Keeping the kiddos occupied might also entail purchasing memberships at local museums or subscribing to movie passes.

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Keeping both you and your kids engaged often requires spending money and those costs add up.

Ramsey pointed out that moms face real social stigma when they elect to stay home.

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