Reply to NY Mag: Daycare is Broken

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]

In all of this, I was lucky that my DH made enough money, that he was healthy and that we had a good marriage.  If any of these three things were not ok, I would have been screwed as a SAHM.  So, if the govt cannot fix childcare and education, perhaps the govt can pay SAHMs to stay at home so they do not become vulnerable. [/quote]

This is huge. It’s just a big risk.  We could cover the basics on DH’s salary, but not save nearly enough for college and retirement. This is what happened to my parents- SAHM until she became a para when I was in high school, no college savings and now they are in a precarious state in retirement where any health problems will mean that we will probably have to start contributing financially.

Because of a pre-existing health condition, life insurance for DH is extremely expensive, so we don’t have as much as would need for me to feel comfortable quitting the workforce either.[/quote]

To be fair, your average UMC white woman has an extremely high chance that everything will end up okay with DH.  Divorce for this demographic is low, the DH should earn enough money if they live a frugal lifestyle and they should have multiple types of insurance for health issues.

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Ok, but now you need to purchase lots of insurance on one income too to cover all the possibilities?  Not everyone is UMC, on one income we definitely would not be.[/quote]

Exactly. As much as I’d like to work only part time, we both make $70-80K per year. It’s a solid middle class lifestyle but on one income, I wouldn’t be able to save anything for emergencies or unexpected expenses. Like the $500 bill I just received for kid bloodwork to rule out some health issues. [/quote]

That's not middle class.  Middle class cannot pay the $500 bill.  $160K a year is very comfortable.  $120 is manageable too but some of it is your housing and other expenses which are all choice.  Funny how some of us do fine on less.[/quote]

PP that’s a pretty grim definition of middle class. But anyway my point was that I can’t live comfortably on half of that. So we both have to work for a comfortable lifestyle. I’m just glad I’m on my last daycare kid. No more!

We also have family help which makes it so much easier. However, there is a lot of tv with grandma. [/quote]

On half, no, on $120, you can do it.  Real middle class don't have much savings and cannot pay a $500 medical bill easily.[/quote]

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