It comes down to a lifestyle choice. You have to decide if paying for daycare works best for you and understand the financial impact on the household. There are parent groups and homeschool resources for socialization if that is a priority for you. You could also research what homeschool parents do for preK to see if you can find a solution for your situation. Contact Early Intervention to see if there are any other options for speech therapy. Check with your health insurance to see if they will cover the therapy costs. The other option is tell your husband you are happy with the way things are and we can revisit this when the kids are full time in school.