This as-told-to essay is based on a conversation with Lindsy Jolley, a 30-year-old stay-at-home mom from Utah. It's been edited for length and clarity. In 2025, we had just had our second baby when my husband totaled his car. My doggy day care business had been slowing down quite a bit, and my husband's orthodontics job wasn't bringing a ton in for our family of four, so we needed to make more money. At the same time, I didn't want to leave my kids to get a job, and I plan on homeschooling soon.