Reply to SAHMs, do you worry about your husband leaving you?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I am a man and cannot speak for any women on this forum and their experience, but I can relate my mother's experience.

I recently asked her how old my brother was - he was the youngest of us - was when she went back to work.  My mother was an RN and she worked at least part-time until my brother was born.  My father was military and later a civilian lawyer.

She said she went back to work full-time when my brother was about 10 and the motivating factor was that a neighbor two doors down was widowed and left with virtually nothing and had to start at the bottom in terms of building up experience and a career.

So, she decided to go back to work full-time to be in the workforce and to be able to provide for herself independent of my father.

My parents were married for 45 years until my father's death, but my mother never ever regretted going back to work.

There is really no reason, especially after the kids reach full-time school age, for SAHM's to stay home, especially if they are educated and can work.  Of course, this does not account for parents dealing with SNs or otherwise handicapped children. 
 [/quote]

Guess your family wasn't familiar with the concept of life insurance?  Your mom probably just wanted to return to work.

And glad I'm not your wife if you always think your way is the right way.[/quote]

I know multiple families dealing with disability/death and life insurance may float you for a few years, which is it's purpose. It will not care for you for the rest of your life.[/quote]

Are you joking?  Only if you don't know how to purchase the right amount -- life insurance is available by the millions of dollars, and some of us carry that much.[/quote]

Sure you cant take out an insane amount of insurance but most people don't have that much insurance. How much do you have. So if your H is in a nursing home at $350/day, how long will it last? Most families here live off of $250/year. So 5 million will last you about 20 years, you will be 60ish if you are in your 40's. Do you have 15 million in insurance to get you to 100?[/quote]

If my husband dies, I am selling the big house and leaving the area. I would move back to where I am from and have a lot of extended family support. We would live off of much less than than $250k post-tax. I would also invest the money and wouldn't withdraw more than the interest it generated if possible. If that wasn't enough, I would probably get something part-time to smooth things over, but with a paid-off house and educations funded, I don't see how I couldn't live off the interest except in really bear markets. I also would have other assets to fall back on. With $5m, I can't imagine most women would have an issue supporting themselves unless they were crazy spenders (which is a whole different set of problems). [/quote]

So that is your plan, move away. It's a plan. hopefully nobody i sin an nursing home. So you have $5M in insurance?[/quote]

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