Dave Ramsey, a financial guru who counsels people of faith, writes an advice column. He had to ponder this scenario: "My wife makes $40,000 a year, and has been working at the same company for the last 20 years. She can take retirement in nine years with full benefits, but we’re thinking it might be a good idea for her to quit now and stay home with our pre-school kids. We’re also debt-free and can pay the bills and save some money on my income. Is this a crazy idea? "