David Sweede and his wife pay $2,900 a month to rent a house near his parents in his hometown of Chesapeake, Va. The house is, in his words, “not that nice.” Child care for their twins is $2,780 per month. Groceries average about $1,500 per month, and “that’s even with couponing and being careful and not buying ingredients for just one meal,” the 44-year-old accountant…

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