If both parents work they're also easily spending roughly 30+ grand a year on daycare alone. The DCFSA can help, but its tapped out at 7500 atm, which is cute, but unrealistic. A real daycare following all the best standards is not cheap, its like a second mortgage. I can see a major difference in my daughter coming back from daycare, I mean she knows things I don't think I knew when I was her age...