Gosh, where did I go wrong
I work fulltime, take care of our home and the 'babies' and then I also have to work evenings for my DH business. "If" we have kids, I was 'told' that I can stay home for 6 months (I say 1 year). But then I have to return to work (at least part time) for health insurance, but he said that we could get a 'live-in' to take care of the child, clean and cook

hmmm - maybe that's not so bad