Lol Join the club, op. Lots of people hate working. But it’s mind over matter. Focus on an exit strategy if you must, but you don’t seem financially equipped to peace out of the workforce. |
I can share what I'd think about. I might consider sucking it up for another year and practicing living on the one salary while banking your salary. This will provide more savings for college, etc.
If you can save for college on DH's salary plus handle all the bills--and he has a secure job--then maybe it's time. |
The challenge with going PT is that you might find the pay is MUCH lower than what you earned working FT. I could never go PT in my field because the openings offered $15-$25/hour when I made over six figures in my FT job. If you are a nurse, then you prob CAN go PT as you don't get docked your hourly wage for being PT. Whether to go PT or not really depends upon your career. Also, some careers will still give you a FT workload when you are working PT... |
DON'T quit working OP. Try to negotiate a better schedule, find another job, or take the time to develop a business plan for whatever solo gig you think you might be able to launch. I get it - 3 kids, one of whom is a toddler, would be a lot for anyone to juggle with a FT job. But you have student loans and 3 college tuitions to fund. You didn't mention what industry your husband is in but the economy is going to go through significant changes over the next decade as AI displaces some jobs. Unless you have generational wealth, stay in the workforce for as long as you can. It's always easier to find another job while you're still working. |
I don’t work and haven’t for a long time. I have teens. If your marriage is solid and you are both smart with money (budget, savings, reasonable expenses and expectations) it can be a great lifestyle for a family. |
Always have a plan B.
220k is enough for flyover with no jones to keep up with. |
More than enough. Especially if you keep the kids in public school and keep housing reasonable. Don’t became house poor. |
Take a pay cut and get a job somewhere else. You have CONSIDERABLE DEBT and need to save for college, yet your plan is to saddle your husband with that stress?? I'd divorce you.
If you can easily live off your husband's salary, then take a pay cut at a lighter job and use your income to pay down your debt. Or stay in your job and aggressively pay down debt/save for college. |
Your debt is a huge problem. Should your husband divorce you, you could be screwed for a long time if you can’t find work immediately.
And postnuptial agreements are tough especially where they are one sided which is what yours would arguably be. So that wouldn’t make me feel really secure like you seem to be. Last and biggest thing. Being the sole wage earner is a huge burden and being dependent on another person who has all of the control is no picnic. And don’t kid yourself here. The person who earns the money is the one in control. |
Oh there are consequences |
Girl you know this is the real answer. This only works if the DH is completely on board. Sounds like yours isn’t. I know too many women who have bought themselves a divorce by doing this. |
You still have college loans to pay off AND you need to save for THREE kids to go to college.
Sorry, you need to keep working. |
There’s a money forum here that might be better for this question. But we’d need more details. You mention you are still paying student loans? It doesn’t seem like a good idea to quit now in most cases. Do you have other debts?
If you are debt free and you have a paid off house or tons of home equity so you could downsize and be mortgage free, children’s college already fully funded, I’d say go for it. If not, and it doesn’t sound like that’s your case, then I’d make it a goal and then consider it. It’s putting an awful lot of pressure on your husband. What if something happens to his job? Many people intend to work until their 60s thinking their salary stay the same or increase, and they will stay healthy and not get laid off, but the stark reality is that is not something that can be counted on. |
With 3 kids and the current state of the world including advent of AI which may likely impact all jobs in the near future, I’d work at least another year, live off your husbands salary and use all your earnings to pay down or off the student debt. |
I keep my eyes on the prize: a comfortable, early retirement with kids' colleges paid for (in state). I have 2 more years to go. I would like to quit right now. I worked over 4th of July because of the project I'm on which was badly managed. I am no longer operating at 100%, but my 85% is better than most on my team. Sometimes I have a bad attitude at work, but I honestly don't care at this point. My kids are 17 and 20. It went by slow, but fast, if you get what I mean. Or, just find a new job that you don't hate. When we lived on just DH's salary alone, budget was tight, and we had to dip into my savings to go on vacation and for extras. While work stress went down, I had a bit of financial stress. |