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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You can also usually request that they take out extra for your taxes in your paycheck (if you don't want to owe money later).

For your question "Is it worth it?". I guess you have to ask yourself if it's worth all of that time for an extra 10K. What would you be doing otherwise if you didn't work? [/quote]

I work on the weekends and evenings, so it's time away from my kids, who are toddlers, and my husband. Because I get home so late, we sleep separately. [/quote]

To me, that sounds like giving up the most important parts of your life to make less than 1K a month. Unless you really need that extra income. [/quote]

Sounds to me like they are house poor.[/quote]

Only because they’re dumping an extra $1100 a month into the mortgage and $800 into investments.   Not sure what that is - 529s? Roth IRAs?  I’m all for saving money, but this is not being done as a joint effort.  Op shouldn’t feel guilty about getting a haircut when they’re setting aside nearly $2k a month.  [/quote]

Paying the mortgage early, saving money and building wealth are more important than getting a haircut. They have the right mindset.
She is working a low paying job to earn extra income instead of sitting at home watching TV. That’s also the right mindset. [/quote]
 
+1 Maybe the DH is going about everything wrong, but what he is doing will serve them in the end. I tell my husband when he's gone over his restaurant limit. Saving for college is much more important that eating unhealthy food. Sometimes someone has to be in charge of the big picture and financial details. He agrees with me but hates details, so it works for us. In OP's case, I'd insist on a biweekly budget meeting and go over investment returns at least quarterly. She should know all the details.[/quote]

What he is doing will only serve him in the end if it does not destroy their marriage. He is making the decisions unilaterally - to him, it makes sense that they pay extra on the mortgage, but that was not a joint decision. It is utterly corrosive to a relationship to make unilateral calls on joint decisions, particularly without communicating about them. It may be smart to pay aggressively on the mortgage and save aggressively in the mutual funds, but if the behavior destroys the relationship in the process, it doesn't matter anymore. Better to modify approach so that everyone is getting their needs met, including paying extra on the mortgage, but not so much extra that a haircut is what makes or breaks the month. There is surely a middle ground between "pay $1100 extra" and "don't pay any extra."

OP, you need to articulate your actual needs. From a strictly numbers perspective, maybe it does not make sense for you to work at this job. However, for all sorts of other reasons, which you articulated beautifully, what is best for you is to work part time at this job until your children are in school and you can make different plans. Your husband has to understand those needs before he can even try to respect and accommodate them. [/quote]

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