the cost of working - SAHM vs WOHM

Anonymous
Anonymous wrote:Daycare - $550 (550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for mw
Cleaning Services - $125 (125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless

I prefer interdependence over independence. We are all different.
Anonymous
Anonymous wrote:...But it’s good you found each other snd this works for both of you. A good reminder why what works for one person can’t be a prescription for the next, though.


And this is it in a nutshell. Each family needs to work out what works for them. And kudos to those of you who at least tried to lay out expectations before marriage.

That said, it would be nice if our society would get its head out of its butt where men vs. women and childrearing are concerned. The fact that many men never ask these questions of each other and that our society places unfair expectations on women far more than men once children enter the picture is unfair. Period.

And our society is awful about supporting parents and children in the name of the almighty dollar.
Anonymous
Anonymous wrote:
Anonymous wrote:Daycare - $550 (550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for mw
Cleaning Services - $125 (125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless

I prefer interdependence over independence. We are all different.


This statement does not make sense to me. Anytime people are married and both are earning a salary, clearly there is interdependence in running the household as a whole. I'm sure there is some rare couple out there that may have really and truly separate expenses but that has to be exceedingly rare. If you share a space and resources, you are financially interdependent.

What the PP is referring to is that some women value knowing that they could also support themselves without their partner if necessary.
Anonymous
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Daycare - $550 (550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for mw
Cleaning Services - $125 (125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless

I prefer interdependence over independence. We are all different.


This statement does not make sense to me. Anytime people are married and both are earning a salary, clearly there is interdependence in running the household as a whole. I'm sure there is some rare couple out there that may have really and truly separate expenses but that has to be exceedingly rare. If you share a space and resources, you are financially interdependent.

What the PP is referring to is that some women value knowing that they could also support themselves without their partner if necessary.


NP. I sincerely don’t judge any couple who does completely separate finances but since PP says that her DH has a “portion” of the expenses it does seem like they’re pretty separate.

But I honestly don’t know why one way would be inherently preferable to another.
Anonymous
Anonymous wrote:Daycare - $550 (another 550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for me
Cleaning Services - $125 (another 125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless



How is daycare only $550?
Anonymous
SAHM and WOHM aren't the only options.

People make fun of this, but being a SAHM with a side hustle, or a PT WAHM (same thing), is awesome. And it's especially great if you had a baby a little later in life (late 30s) because at that point you've generally got 15 years of experience under your belt. My side hustle is basically doing what I've always done, but on a consulting/contract basis and on an extremely part-time schedule. I rarely work more than 2 hours a day except maybe once a month when I'm up against a deadline. My kid is in public school so that's 6 hours a day when I can work without paying for childcare. I'm always around after school and available for sick days or random days off from school. I structure my projects so I don't work almost at all in July , which eases the burden of summer care by a lot (we still usually hire a sitter or do day camp, but usually just half day because I like having a month every year where I just get lots of one-on-one bonding time with DD).

I started my business when DD was a baby and it took a couple years to get to this point. During those years, we lived off DH's salary and he was super supportive. I really wanted to be home those early years and I'm so glad I was, but I also really wanted to be working and earning money again so the drive to get my business functioning was totally mine. I'm sure it's a relief for him to not be the sole earner (I do think that can be very stressful, though his job is insanely secure so we didn't stress about him getting laid off or something, which helped a lot). But he told me once that if I brought in just $2/month, everything else is gravy. I don't totally agree (I want more money, more savings for DD, more to invest), but it's really great to be in a place where I don't feel like I have to work my butt off or take every single project I'm offered. We're not rich, but we live below our means and don't spend money on stuff like nice cars or expensive clothes.

If I worked FT, I'd make more than twice what my DH makes, easy. If I want to, I could build my business into a FT job. I just... don't want to. My time is really valuable. Right now, in addition to working and some housework, I spend some of the time my DD is at school working on writing a book. It's so rewarding. I really feel like my life is exactly what I want.

That's what I want my DD to learn. Not that she HAS to work or she HAS to stay home, but that you get one life and you get to choose. I'm lucky in some ways but I've also worked really hard to structure my life this way. I recommend it to anyone who is sick of the grind but not built for long term SAHMing either (I was not).
Anonymous
Anonymous wrote:
Anonymous wrote:Daycare - $550 (550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for mw
Cleaning Services - $125 (125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless



My mom probably said the same thing about me watching her. Too bad what I actually saw was a stressed busy mom who didn’t seem to have enough time for me ever. I stay at home now.


My mom is a PhD and worked in research and was a professor. She is a great mom, we're very close and we got plenty of quality time with her. IMO, I see a lot of the stressed busy mom situations when the mom is working menial, low paying jobs with very little flexibility. I WFH 4 days/week making around 218K with amazing benefits and had plenty of time for mine, who are now older. I totally disagree with one of the PP who said some jobs, like medicine, are inflexible. My entire family is in medicine and my SIL is an MD and works from home PT, in a cushy position, doing research and making a ton of money. My MIL is a nurse working for the feds as a GS-15 all remote. A lot of my lawyer moms left big law and work for associations or in-house. I'm at a regulatory agency and my office just hired 2 pregnant lawyers. They will get 3 months paid maternity leave and then they will have to come back in the office once a week starting in 2023, IF they have reliable childcare.
The trick is to get a lot of valuable education, get established at work, be a great performer and then have kids and look for flexibility. The more educated one is, the better the opportunities for a flexible, well-paid and less stressful job.
Anonymous
Anonymous wrote:Daycare - $0
My Car - $ 700
Parking - $0
Cleaning Services - $800
Clothing - varies
Lunches - less than $100 as I am hardly going in restaurants for lunches.
Coffees/Breakfast on the Run - 0 -
Takeouts - $600 (Easier to get takeout when entertaining nowadays.

My DD watching me have choices, stay at home and enjoy family life, and manage/grow the money I have earned and DH earns - priceless

Working is overrated.

What women need to learn is to control, manage, invest and grow their own money. Does not matter if they inherited the money, married into money, got the money as a divorce settlement, earned that money, found that money, won that money in lottery or stole that money... Being poor and unable to pay your bills is not a good look.



I learned to handle money and made some too
Anonymous
Anonymous wrote:
Anonymous wrote:Daycare - $550 (550 would be from DH's portion)
Commute - Gas, wear and tear - $100
Parking - $0 no fee for mw
Cleaning Services - $125 (125 comes out of DH paycheck since he uses and likes a clean home)
Clothing - none - I don't buy work attire anymore, it's casual all the time
Drycleaning - 0 - do not buy clothes that need drycleaning
Lunches - $100 (only because I like going on happy hours for my own adult sanity)
Coffees/Breakfast on the Run - 0 -
Takeout - $150 (another 150 comes from DH's paycheck since he eats as well)

My girls watching me and learning the importance of being financially independent - priceless



My mom probably said the same thing about me watching her. Too bad what I actually saw was a stressed busy mom who didn’t seem to have enough time for me ever. I stay at home now.


Have you told your kids that other parents can in fact parent well while working full time? It is so personality dependent. I am also surprised that when you were a teenager, you wanted more time with your mom. That's not the normal pattern.
Anonymous
Anonymous wrote:SAHM and WOHM aren't the only options.

People make fun of this, but being a SAHM with a side hustle, or a PT WAHM (same thing), is awesome. And it's especially great if you had a baby a little later in life (late 30s) because at that point you've generally got 15 years of experience under your belt. My side hustle is basically doing what I've always done, but on a consulting/contract basis and on an extremely part-time schedule. I rarely work more than 2 hours a day except maybe once a month when I'm up against a deadline. My kid is in public school so that's 6 hours a day when I can work without paying for childcare. I'm always around after school and available for sick days or random days off from school. I structure my projects so I don't work almost at all in July , which eases the burden of summer care by a lot (we still usually hire a sitter or do day camp, but usually just half day because I like having a month every year where I just get lots of one-on-one bonding time with DD).

I started my business when DD was a baby and it took a couple years to get to this point. During those years, we lived off DH's salary and he was super supportive. I really wanted to be home those early years and I'm so glad I was, but I also really wanted to be working and earning money again so the drive to get my business functioning was totally mine. I'm sure it's a relief for him to not be the sole earner (I do think that can be very stressful, though his job is insanely secure so we didn't stress about him getting laid off or something, which helped a lot). But he told me once that if I brought in just $2/month, everything else is gravy. I don't totally agree (I want more money, more savings for DD, more to invest), but it's really great to be in a place where I don't feel like I have to work my butt off or take every single project I'm offered. We're not rich, but we live below our means and don't spend money on stuff like nice cars or expensive clothes.

If I worked FT, I'd make more than twice what my DH makes, easy. If I want to, I could build my business into a FT job. I just... don't want to. My time is really valuable. Right now, in addition to working and some housework, I spend some of the time my DD is at school working on writing a book. It's so rewarding. I really feel like my life is exactly what I want.

That's what I want my DD to learn. Not that she HAS to work or she HAS to stay home, but that you get one life and you get to choose. I'm lucky in some ways but I've also worked really hard to structure my life this way. I recommend it to anyone who is sick of the grind but not built for long term SAHMing either (I was not).


I'd rather WOH FT than do housework, but I am glad your setup suits you perfectly. For me, it was just easier working full time so we could afford 50 hours a week of childcare.
Anonymous
I married an alpha male. He is fine with whatever I want - work, not work, work part time. He is an equal partner because he loves his family and wants to pamper us.

He is the right kind of old fashioned. My money is my money and his money is our money. He would not ever want me to pay any bills and he basically asked me to save and invest everything that I earned.


Anonymous
Anonymous wrote:I married an alpha male. He is fine with whatever I want - work, not work, work part time. He is an equal partner because he loves his family and wants to pamper us.

He is the right kind of old fashioned. My money is my money and his money is our money. He would not ever want me to pay any bills and he basically asked me to save and invest everything that I earned.




So happy for you. When he dumps you for a 20 yo, you will need your pennies saved.
Anonymous
Anonymous wrote:
Anonymous wrote:I married an alpha male. He is fine with whatever I want - work, not work, work part time. He is an equal partner because he loves his family and wants to pamper us.

He is the right kind of old fashioned. My money is my money and his money is our money. He would not ever want me to pay any bills and he basically asked me to save and invest everything that I earned.




So happy for you. When he dumps you for a 20 yo, you will need your pennies saved.


No prenup, every thing jointly owned, we spend our time together, lots of insurance. Why would he dump me for a 20 yr old when I am good looking, educated, desirable and we have a good marriage and a good life?

All the beta men they just can't stand to pay for their wives. 50% of childcare, 50% of take outs, 50% to the cleaning lady...lol...they will not pay for their frumpy wives or their kids - and the price to being married to them is that these women pay for themselves. How desperate. + These women come home and do a double shift. Goodness, why not value your wife and pay for cleaners??

Anonymous
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:I married an alpha male. He is fine with whatever I want - work, not work, work part time. He is an equal partner because he loves his family and wants to pamper us.

He is the right kind of old fashioned. My money is my money and his money is our money. He would not ever want me to pay any bills and he basically asked me to save and invest everything that I earned.




So happy for you. When he dumps you for a 20 yo, you will need your pennies saved.


No prenup, every thing jointly owned, we spend our time together, lots of insurance. Why would he dump me for a 20 yr old when I am good looking, educated, desirable and we have a good marriage and a good life?

All the beta men they just can't stand to pay for their wives. 50% of childcare, 50% of take outs, 50% to the cleaning lady...lol...they will not pay for their frumpy wives or their kids - and the price to being married to them is that these women pay for themselves. How desperate. + These women come home and do a double shift. Goodness, why not value your wife and pay for cleaners??



Anyone who thinks in alpha and beta terms about people IMO can't have a "good life."
Anonymous
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Anonymous wrote:Where is gender equality here? If I was the breadwinner husband and if my wife decided not to work anymore, I think I would lose some respect for her. Will most of those marriages end when one of the sides hit a mid life crisis?


By our third date, my husband was telling me he only wanted to marry a woman who would continue to work after marriage and kids. I appreciate his forthrightness and as I never had any interest in SAH, we ended up getting married and being dual WOHP. My guess is that most people discuss this extensively with prospective spouses.


I didn't want to be a SAHM but I wouldn't marry that guy.



Your choice, of course. I've been married to "that guy" for 25 years.



I have been married to another “that guy” for 20+ years too. My DH explained that he wanted to build a life with a partner who would work since he didn’t like seeing his Dad stress about a job loss and his mom go out to scrape together work to pay the bills. I am sure if it were a real issue (I felt really strongly after childbirth for some reason, I couldn’t find a job in the same city, we had elder care or SN child issues that we hadn’t accounted for), we’d have had a conversation and figured things out. But having a man explain to you that his vision for his life matched your vision for your life is a good thing, you know?


What if he just got offered a really great promotion, and he wanted to work 80 hours a week and make tons of money? Or he realized that he hated his job and wanted to switch to something that was less family friendly? The only way that either of you are allowed to make a change in your life from the time you are dating until you die is having elder care issues or a special needs child? No one can just want to do something different?


Woman here with heavy work hours but also earning 50% more than the DH. When I took my new role, I promised that my home commitments would not suffer. Why can't a guy do the same thing? We have been operating 50-50 well in the last 5 years. Besides both of us spending time with the kids, my DH has hobbies and I have just extra work that I need to spend time on.


Same. Women do this all the time, you just don't see it because they aren't advertising it.


Just out of curiosity, what does your day to day look like? I would like to go back to work full time, but my husband works long hours, and I can’t really figure out how to make it work.
He typically works 7am-6pm with two days off every other week. Sometimes they fall on a weekend, but not always.
Kids are elementary school and middle school ages. Oldest has some minor special needs and homeschools.
Right now I work 20-30 hours/week, but I don’t see how I could take a time intensive job or even a serious hobby. I would like to start coaching high school again, but I don’t see how I can make it work.

Here is how we do it: We know which one of us will drop off the kids and which one will pick up for a given week based on our calendars. Usually the drop off person does not do the pick up. So, say I did the drop off, which I do around 8 am and then go to work, I usually stay at the work until 5:30 pm or so. My DH that day starts working at 7 am and does pick ups around/before 4pm. I am responsible for the breakfasts and he is for the dinners. We don't cook from scratch everyday, prepare couple dishes over the weekend and also do healthy takeaway options during the week. If the kids have a sports/arts activity after school, the person to pick up also deals with that. When it is my turn to do sports activities, I actually continue to work at the entrance/cafe area of the sportshall. I sometimes get evening meeting calls, then I leave maybe an hour early because I will spend a couple hours later in that evening call. After the kids go to bed, which is around 8:30 pm, my DH is back to his hobby and I do maybe another hour of work (30% of the time). When none of us can do a pick up, we call a couple college students asking if they can pick up the kids. This has been working for us well. And when we work from home, we usually save an hour of commute. When I travel, I arrange the pick ups by the babysitter, so that my DH's usual routine does not get disturbed.


I'm not trying to be a jerk, but it doesn't sound like your hours are really that heavy. It sounds like you have a pretty standard 8:30-5:30 M-F office job with occasional meetings or responding to emails in the evenings, and occasional travel. This sounds like a pretty typical 50 hour/wk job with a pretty good amount of flexibility.

I think you are kind of confirming my idea that a couple really cannot work more than a combined 90-100 hours/wk combined AND raise children.
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