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Reply to "SAHMs with no retirement or college savings"
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[quote=Anonymous][quote=Anonymous]I think you're a troll, but I'l answer why I probably won't go back to work even though I might not even be able to pay for tuition at a state school. I have applied to many, many jobs, and I can't get any that will work with a flexible-ish schedule that would actually make a decent amount of money. I am being picky, I know, but I would like medical and maybe 60K. The only thing I can think of that would get me some marketable skills are going back to school (which would require money upfront) or doing something very low-paying in the hopes that it would eventually lead to something more. I'm not sure I'd be better off doing that than I would be focusing on saving money at home. Right now, I like being able to do all my home tasks while the kids are at school so we can all just chill on the weekends, and I like spending after-school time with my kids since they are going to be gone so soon. At this point I'm not going to get a job that wouldn't let me do those things so they can go to a more expensive school. That is just my choice. Also, some people don't realize just how expensive college has become. They think that the way to afford college is pretty much the same as what it was when they went, and that every single person complaining about student loans is just an idiot who went to a college that can change lives for a degree in gender studies.[/quote] Totally get it. The value of a SAHP is that the "shit to get done around the home" is most often done while everyone else is away (once kids are school aged). SO that translates to quality family time in the evenings and weekends---no 10 loads of laundry on a Saturday/clean the entire house Sat morning. it means game time/sporting events/whatever activities your family likes to do. We have saved enough for college (and can cash flow any grad school needed). But the value of a SAHP is huge IMO. I was making 6 figures when I quit to be a SAHP 23+ years ago. Could have easily "afforded" to hire a nanny and continue working, but I wanted to be with my kids and my oldest would not have adjusted easily to it---literally never took a bottle, would just get extremely hungry and pissed off whenever we attempted it even with me out of the house, severe separation anxiety that was really just ADHD/Anxiety/social issues manifesting itself in early life. While I would work anything if actually financially necessary, I don't need a job at Target/retail/fast food/menial office work just to have a job. The $10-15/hr would translate to me paying 50%+ in taxes overall. So I'm not working for $5-7/hr just to say I'm working. I can cut luxuries in our budget to easily get me to $300/month instead of working for $5/hr. And yes, after 20+ years out of the professional workforce, it would be challenging to find a job in my field. And even then, I do not need to and dont' want to work 40+ hours/week. My kids are at college and beyond. I want to be able to travel when partner travels for work. It's hard enough to plan around their schedule, I don't need to be tied to another work schedule [/quote]
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