How? Good quality childcare is never a waste of money. Not everyone is blessed with family members who can help out with looking after young children while the woman works. With this economy a family needs 2 wage earners to afford groceries and housing.
Not always and I'd even say, not usually.
People need a budget and some self-disciple with money.
only if one subscribes to certain life or area
Home with kids is best.
In some areas it is not just family members who help.
My sister had a home child care “business” that was “unofficial” and took care of the kids of friends when she had young kids of her own.
Money may have changed hands—but nobody talked about it and nobody asked.