It depends on you or spouse whether financial is an issue. You may work out on budget and therefore decide. Having a maid would help with everything from caring your baby, chores, etc. If you put in IFC, you will have to rush from home to IFC, then work, fetch, then back home. On top of that would be cooking, chores, etc. I have known of some people that choose either of the option, while some with more stable financial would take both. Maid will do whatever they can at home (chores, laundry, cleaning, rest time) while being watch on CCTV and half day for baby instead of full day.