There are cute signs out there... You know the type. Behind every good rancher is a wife with a town job. Why do so many work off the farm or ranch? Everyone's first assumption is money. In a roundabout way that is true... I would say it is insurance. The cost of insuring your self is too expensive to not have someone work off the place and obtain employer paid insurance.
Many ranches do not offer insurance because the cost is too great. Getting a town job especially, a government job alleviates the problem. I know we are grateful for our insurance and will be more so as the kids get older. Especially, after I came around the corner the other day and saw the almost two year standing up on her rocking horse. No fear.