Yes. She does carry a substantial burden. Debts and children. On that we agree. I suspect that once she takes a job that she will incur child care costs on top of that. It is difficult to imagine that any entry level or even slightly above an entry level position will provide for her situation without great risk of failure (or collapse). However, a small business can provide an income of 3 or 4 times the entry level wages that she might get by taking a job. Also, self employment allows for more flexibility with regard to her time. With 3 kids, she will need all the time she can get. Now, you and I don't know Anika and I feel a little silly now for continuing this debate on her life. You are correct. Some people either aren't suited, or have no experience at starting even the most meager business. I suppose that it annoyed me a little that you would discourage her from this consideration with the typical "job security" reasoning. There is no such thing as job security. Also, there are some situations that jobs are not suitable to resolve. It was my intention to appeal so any sense of independence that she may have because the rewards are empowering much sooner that an entry level job.