Yes, it takes time and some money. Not a sizeable amount of money though. We did it with only mr. mm working. And there are MANY ways of saving money with mom staying at home.
I guess it depends on how much you think your kids are worth and what’s really important to you.
We did it on my income alone. Finished HS 5 yrs ago. Lowered our expectations of lifestyle. You have to be able to accept that there will be things that you will need to put off, at least until the kids are done with school. But after 18 yrs of homeschooling, you learn to live a simpler lifestyle. Still do.