No, she has no degrees, and if it helps shes 23 years old.
Dude, it's been what, five years since she got out of high school? This is a whole 'nother kettle of fish. Get her some education. Health care is the field with the quickest route from training->employment w/ benefits.
Home daycare can be great or a regulatory nightmare. More than one person strongly advised me against it. Burnout is high for in-home care, especially with no help. For a larger operation with some help, you need some capital. Actually, in some states you need some capital just to get licensed. Dunno about Florida.
(And SS, he didn't mention what his wife was concerned about, he mentioned what he was concerned. I calls 'em as I sees 'em. Get over it.)