He has sold 10 of the homes to two-income families in their 30's, either with children or expecting them.

And in an age of two-income families, others are determining that they have the means to look after themselves.

But the rise of the two-income family has made some people question the need even for term coverage.

In addition, there are more two-income families working longer hours farther away from home.

Often, in a nation of two-income families and single parents, children are left alone to watch whatever they want.

Q. You write that it makes sound economic sense to have a two-income family.

He should concentrate instead, they say, on doing more to help the two-income family.

We used to be a two-income family with one house.

Yet the average combined salary for a two-income family of four is $16,800, or $1,400 a month.

There is a lot of gray at this point with two-income families.