Reply to Left job due to RTO and now working part time as a contractor

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]My husband has been a contractor for 15 years and has been successful without doing a lot of BD at all. Its all been word of mouth and luckily his clients keep coming back. But he doesn't have health benefits so that all falls on me. And when I lost my job due to COVID cuts, that really sucked because it put a lot of pressure on me to find a new job. During COVID. And I work in the hotel industry. Sounds like your spouse's job is more secure so that's good but just keep in mind that its putting all that pressure on him. Which can lead to resentment (ask me how I know).

You are also not getting other benefits like 401K match. We do contribute to an IRA but my 401k is far higher due to company match even though he works in a higher-paying industry.

I'm not saying you shouldn't enjoy your current gig. Just make sure that your husband is 100% on board.

[/quote]

Op here. That sounds like it would have been an incredibly stressful situation and I am sorry you went through that.

In my case, I feel zero concern or guilt about the pressure on DH, but that is because of the context of the job he has (professor in data science/AI, where he works literally 20 hours a week/ 6 months of the year but gets paid full time) and also how our marriage has unfolded (multiple years when he was in grad school and I was the sole breadwinner, and also I wouldn't even have been in a position of needing to quit my prior job if DH had been pulling his weight at home).

The retirement does concern me though. We are late 30s. I know it's an issue. [/quote]

Posted earlier about husband loving working independently. Regarding retirement, you can have a solo 401k where you can contribute both employee and employer shares, so it can actually be quite advantageous if you have the money to contribute.[/quote]

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