America's Money: In their own words

Research scientist, 40, Ewa Beach, Hawaii

We live in one of the most expensive states in the country. Gas is $3.52 a gallon. Milk is over $5 a gallon. My husband is a stay-at-home dad to our two toddlers, ages 4 and 5.Over the years, we have made a lot of financial sacrifices to support a one-income household.

I am working in the biotech industry as a research scientist with a decent income. However it has become increasingly difficult to make ends meet on one salary. I am so thankful that my husband has been able to stay at home and raise our children.

But times are getting tough, and we are now considering sources of additional income, such as renting out the in-law unit, or starting a home business, which would allow my husband to be at home with the boys.

We are very fortunate to live in such a beautiful place, and hopefully we can stay here indefinitely.

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