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[quote=Anonymous]I have a 3.5 DD and a 1.5 DS and am planning on #3 this year. DD is going to turn 4 in September. Right now we have a nanny that we spend every spare dollar to employ. We love her and have what I think is close to a perfect situation as I work from home full time so am able to interact with the kids a fair amount through the day. Even on very busy days I am present and can give them a kiss before nap and hug them when I get lunch etc.

I feel like DD needs to go to preschool next year? Or society is convincing me that that needs to happen? But like, I am struggling to see how we make it work financially. It would add hundreds of dollars a month. I would have to stop contributing to retirement (which I know I'm lucky that that's all it would take) to pay for her to go to preschool. We would be paying like 40k a year for childcare. Probably more.

I just am worried, if we keep her home is Kindergarten a very difficult transition? Will she be behind? How on earth do people pay for full time childcare for multiple children AND pay for preschool? I'm really stressed out about this. DH already reduced retirement to basically 0 contributions to pay for nanny. [/quote]

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