Dear Dave,
My wife and I are in our late 20s, and we have a full emergency fund saved up. Our only debt is our home. We have talked about having a child sometime next year, but I am on the road three weeks a month for my job. I don’t want to be gone so much once we have a child, and I am thinking about opening my own business so I can eliminate the travel and control my hours better. Do you have any thoughts on this situation?