My wife will not be working in a month’s time. We’ve been keeping our monies together and investing together. $3k monthly investment. (More below.) Any advice?

That depends on what other options you have, investing should only be done with your spare cash and you should not be looking at leveraging just to continue your DCA.

Mathematically, pausing your DCA for a year should reduce your returns but it shouldn’t matter too much in the long run. It’s better to pause your DCA and resume when you can then stopping your investment altogether.

I am not a financial advisor but I hope the following advice helps!

It would be wise not to invest since you do not have a steady flow of income. Only invest what you can afford to lose. Investments should always have a positive return in the long run if you are doing it correctly therefore your portfolio should be growing without you DCA-ing. Always have a stash of 6-12 months of your salary as emergency funds. Once you have that sum, the rest can be invested safely.