My husband and I live in Toronto, with my parents. We have an infant daughter and another on the way. We did the math of having 2 kids in daycare and a mortgage, and I almost died. It's something like $5,500/month before food, insurance, incidentals, etc.

How do you do it?? Do you go into debt (that was my mother's suggestion)? Help from family? I can't be the only one who feels like this.