I agree that wife and daughter need to work- wife fulltime or 2 jobs, and daughter, either with grandma or nannying or dog walking or pet sitting or what have you. Does she have computer skills? My s’s made a fortune fixing computers (software and hardware) and helping to create websites. What is she good at? Can she also maybe tutor someone over the summer? Babysitting can be very lucrative. Someone somewhere said they paid $15-20/hr PER CHILD. Thats a lot of $$. Can she advertise in our neighborhood that she will house sit? Pet sit? Help with getting kids to swim team? Sew? She needs, with mom. to take ownership of what she (and mom, who. kibashed the affordable school) need to fix. OR mom can sell her engagement ring!