collegefootballrocks,

First I have some additional questions before I give more precise answers.

1. How old is your child?
2. Is $66,000 your W-2 income or 1099 Income?
3.You were saying you have a rough tax deduction of $8,000. I need to know how you came up with that question?
4. Do you have medical coverage for the whole family?

Once you answer those questions, I'll let you know.