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by the way, to those making calculations… first of all most kollel couples get foodstamps, and insurance through medicaid is free. that’s first of all. second of all, through my own personal experience, and through many others i’ve heard about- try as you might to figure it out on paper, but when you come to a kollel life,you won’t get an answer. my bills get paid. how? I have no idea. it doesn’t add up, but somehow it works. there were times that we needed money asap (like to pay the car service when i went into labor on shabbat-yea, without money it would be pretty bad) and lo and behold somehow we got it (tutoring kid came on friday specially to pay us)! i know someone that was doing pesach cleaning and found a large amount of money in the process- that was over 20 years old! (forgot what its called- kinda like a cd in a check-make sense?) this person told me- “and to think i was worried about covering my pesach expenses! hashem takes care of all of us!” – and this wasn’t a kollel couple either. hashem sends! and, there are always side jobs that can be done not during yeshiva time- tutoring,chazanut, or whatever other talent one has. maybe the husband can do something during bein hazmanim too (c’mon, be creative!)oh,and there are a lot of gemachs out there to help out too. living a kollel life means learning to sacrifice