Originally my article title was going to be,"If you have to pay for child care you will make more money with a home based business earning $100 a year than you can if your wife finds a job earning $20,000 a year." Then I decided the article should show even without paying for childcare that a home based business will end up putting more money into your bank account.

So before I begin, let me say I am not a tax expert, I don't pretend to be one, so please consult one before you start any MLM home based business.

With that said Sandy Botkin a renowned tax expert, just one of several home based business tax experts I've learned much from, wrote an article "If you don't have a home based business start one today." In his article he talks about a story in woman's magazine in 1994 which sadly stated that having more than 1 job did not produce a significant change in a couple's bank account. Since their example was written more than 10 years ago, I have tried to update it so it's more in line with our year of 2007.

In my example the man earns $40,000 a year. His wife who we'll call Sara stays home with their 2 small children. Many months they find themselves frustrated because they don't have enough money. Even though the kids aren't in school yet, Sara decides to get a job. She's knows she can get a fairly decent job making around $10 a hour. So she gets a job making $20,00 a year.

Their combined income is now $60,000. Sounds good to them but they don't feel like they are much better off than before. They decide to sit down and figure where their money is going. What they discovered surprised and amazed them.

Since they file a joint return, their total income is what determines their tax bracket. O.K., when I checked the difference between making $40,000 and $60,000 in the tax booklet provided by the IRS, they know have to pay an additional $3,000 in federal with holding tax.

Social Security came to around $1,100. Medicare tax was $243. State tax was $322.

Sara now commutes 10 miles to work round trip everyday. This has cost them around $520. a year in gas. They also had to put new tires on her car which cost almost $300. They also had some minor car repairs like needing a new battery, which we didn't count.

Sara also had some child care expenses. She had 2 small children ages 2 and 4. When I called a day care in my area, I was stunned at the price they told me. They wanted $249 a week for 2 children. This comes to $10,908 a year. I'm sure you'll agree unless your making a ton of money it makes little sense to work when paying that much for child care. But Sara does not understand how this will affect their net income, and feels it necessary to work.

Now Sara wants to eat out with her coworkers occasionally. This cost her around $20. to eat out only twice a week. This is another $1,000. a year.

With her job she now needs professional clothes, shoes, nylons. She now spends at least another $600 a year on these items. If you ask I'm sure you find many women who spend much more than that a year just getting their hair and nails done alone.

Finally after caring for her children and working full time she doesn't feel like cooking every night like before. They now spend $30 or more a week eating out. That comes to an additional $1,560 a year.

Add it all up and how much has Sara really made to improve their financial position?

O.K. if you did the math you found out that it's costing them money for Sara to work. So maybe you have a wonderful grandparent who will watch your children for free or maybe they're in school. How much will you be making then?

It's doesn't matter because I'm going to show you how having a home based business can make you more. Even if you don't make anything the first year.

Are you ready to learn how?