Former teacher here: It is pretty easy to get a part time job in teaching. They are very happy not to pay your benefits. If you are still paying for childcare it means your kids are young. They will get older and you can expand if you want to. Or not. many teachers retire when their DH makes a certain amount. I have been retired for a long time and really do not miss it. |
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If you like being a SAHM mom (try it out one summer, see if it works for you), quit. Use extra time while the kids are little to think about what career you'd prefer and dip your toes into volunteering. You can increase your volunteering or go back to school once the kids are in school activities all day.
Bottom line: I'd quit if you think you'll be happier SAH. I wouldn't worry about "security" because 1) if your marriage is solid, why plan for divorce and 2) if you had to, I bet you could get back into teaching. Do what you want now, while you have the chance. |
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I personally think 60k is the magic number when deciding to work or not work. There are SAH calculators online to figure out whether the second income is really worth it. With her husband's salary, like the PP said, she is really not making much on the dollar for her work because the higher the household income, the higher the tax bracket.
If I were in this situation, I'd quit the full time job in June and then find a part-time situation tutoring or teaching. When the kids get older, I'd reassess going back to school. 44k does not seem worth it to work from a financial standpoint. If she was in a different profession other than teaching, I might not quit, because it is hard to get back into the workforce in many professions. Teaching, however, is relatively easy to get back into and it is common for women to take time off and return. |
Except you have both the time and money, sounds like. |