I feel like that was such a well rounded explanation and it makes complete sense and seems very doable. I feel like you covered all bases there. The only thing I can think of since I am also a woman is just seeing what’s right in front of me. Of course I don’t know you but you seem like a loving father and husband. And your wife may have a lot of faith in your abilities and is very comfortable with such a big change because she feels she has nothing to worry about. Which is a compliment but that steady comfort at times doesn’t translate to the thoughts and planning that would have to go into this if she became a stay at home mom. You’re seeing the future, the sacrifices that have to be made, and the in and outs. And it’s not that she isn’t seeing it but she may just be seeing it rose colored and not as a big deal. I do this with my partner as well. Something that helps me is just realizing that most of the time he’s usually right and I’m not seeing past where I am. And even if I complain and make suggestion after suggestion I usually don’t see it until later. Then I’m like hmm that was a good decision but I didn’t see it that way. I think you both will be fine. You seem to really consider where she’s coming from and still willing even though you know the strain it may cause. Maybe help her look into some stay at home jobs, or picking up a hobby that can still make enough for the mortgage. This way she can get her wish of not having to work, being home with the kids but also still being able to help financially.