Most of my families that required me to take kids anywhere on the train paid for my monthly unlimited card ($127/month in NYC now). A one kept a loaded metrocard in a drawer for me separate from my personal card to use when I took the kids anywhere but I paid for my own commute. I typically ended up not using it anyway, because I had a monthly unlimited and the kids were small enough to ride free, and they appreciated saving the $20 or so a week. It depends on a lot of variables I think, so what you want to may differ if the kids go a lot of places or you strictly want to pay her commute.