The decision to put the kid in daycare and return to work or keep one parent at home is simply a matter of … wait, no it’s not. The reality is there are plenty of costs, hidden or otherwise, associated with either course of action. For example, forgoing a second salary means forgoing years of potential retirement savings as well. On the other hand, staying home means revealing hidden savings, like all those expenses associated with things like wearing pants every day. Here’s an intro to the decision making process, but fair warning: it won’t be an easy one to resolve.