I think it's hard to "guess" their finances. Who knows if they have family money, if she worked outside the home prior to having children & they have a good size savings.
I say this as I was a full time SAHM & just recently went back to work part-time (my children are in school now).
Also, the SAHM & daycare thing.... when I was a full time SAHM, my children were in daycare part time. I used the time they were in daycare to grocery shop, run errands, clean/do laundry, dr appts, hair appts, and most importantly for my sanity, to exercise.
There were times when finances were tight. My DH being the breadwinner, and honestly taking the kids out of part-time daycare would've been the last "extra" we would've taken away. I bought (& still do) second hand clothing, shopped deals & used coupons, we didn't travel much, etc. Having my kids in daycare, part-time (10-12'ish hours p/week) was my saving grace. I honestly believe it helped me be a better mother, wife & just staying a sane person.
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