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I’ve been out of Kollel for several years now. When I was in Kollel (BMG), I was amazed at the amount of people learning full time even though they were married and several kids.
I think many of them have side jobs (you’ll be surprised at how many of them do things on the side like tutoring and selling things on amazon) and have support from parents, in laws and friends. They do their hishtadlus and Hashem takes care of the rest. When I was in my last years of Kollel and thinking of leaving, my wife told that there’s a certain Siyata Dishmaya in parnassa when one is learning and one shouldn’t take leaving kollel and going to work so lightly.