(MONEY Magazine) – Miami Beach's Sandra Gibaldi, 30, and husband Michael, 33, got off to a good start. He's an account executive for a news organization who pulls down a salary in the mid-$40,000s, and she works as a dental hygienist. But then the babies arrived -- first Calypso two years ago and then Sophia in February. Suddenly, the couple find themselves facing the classic middle-class dilemma. The children need her, and the family needs her salary. "We have no choice," Michael says ruefully. "Sandra's got to go back to work." --P.K.