Where I live its above. I would actually take the job as long as she was ok with me taking the baby for stroller runs. I have the free time with my youngest in school and older 3 out of the house. Plus I feel for this mom. At one time I was that poor broke single mom of 3 who had no family to help out. No state assistance so just did what I could. You all would have definitely laughed at me and I was still paying half my income to childcare! I was So happy when my 3rd went to school and my work schedule changed so all I had to pay was afterschool care. But honestly posts like this is a dark reminder that having a nanny is a luxury. Staying home is a luxury and childcare costs way too much for most families! This is why I have told my older kids I can be the stay at home grandma so they are never in my shoes.