Dear Annie: I am a 39-year-old man who is married to the greatest wife in the world. We have three boys and one girl; our oldest is 19, and our youngest is 8. A couple of years ago, I started a cabinet-making business, and it is growing faster than I could have imagined. Our oldest son works full time with me. Even with his help, I am falling further and further behind on work. In a world where everyone is used to next-day delivery, it seems like customers don’t understand that the type of custom work I do takes time. I don’t want to turn down requests, though, because we’re trying to get out of debt. We’ve been doing pretty well so far. We paid off our last credit card about six months ago. After years of living with a stress cloud over our heads, it felt like things were finally getting better.

But a few months ago, we were hit with a bombshell and a blessing when we found out that my wife is pregnant. We thought we were done having kids; in fact, I was planning on getting fixed next year. But after finding out the news, I pumped myself up and said: “OK, one more. We can do this!â€

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