Reply to SAHM: what do you do to protect yourself financially?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]No, because it's not a fairly set up benefit. It largely privileges wealthy women who don't need it. A fairer system would be to increase benefits to everyone who paid in and get rid of spousal payment entirely.[/quote]

Whose husbands likely paid the max rate into SS over a 40+ year career, not to mention being in a high tax bracket. We also give benefits to lots of people who don’t pay in, for example “disabled” people (not to be confused with actual disabled people.) We also pay for daycare, food and medical for my friend’s disabled child even though she does not work and her husband makes $1M/year.

Lots of benefits are unfair. Now, if we want to get rid of them all and lower taxes, by all means...[/quote]

By the time my husband and I retire, we will both have paid the max rate into SS over 40+ year careers.  Not just DH. We did not make the choice for me (or him) to stay home. If we had, I don’t think either of us would consider it unfair for us to bear the financial fall out from that decision - not everyone who contributes to the ss fund.  You can bring in other “unfair” parts of the tax and entitlement codes if you wish, but many of us are focused on this one that seems unfair (especially if the SAH parent is a luxury choice).

I agree that people have made life plans based on this benefit and it would be unfair to pull it.  But I think the rules should change for people who are 20 years old or younger (or born in 2020 or whatever arbitrary date seems reasonable).  Simultaneously, drop the cost of college somehow so people can actually afford to build a career. [/quote] SAHP is not always the “luxury” choice.  Most of the families I know with a sahp have a child with SN.  They made planned to have dual WOHP, but it did not work with what life threw at them.  [/quote]

Yes, I get that sah is not a luxury for many. This is why I have zero problem with govt breaks and assistance to families that are caring for SN children (and adults). The previous poster who discussed her friend’s disabled child in the same breadth as a SAHM was being disingenuous, I thought. [/quote]
Y'all like to do a lot of judging based on a lot of nothing. So, do you think my friend who suffers from severe depression and decided to SAH to improve her health should get pennies in retirement? Or what about my other friend who was laid off during maternity leave with her third kid, but didn't have the energy or money to sue and now can't find another job? Or what about my friend who moved for his wife's job and had to give up his career? Or how about my friend who works harder than anyone I know, but still only makes $30k/year and has medical debt, student loans, no family help, etc? Mind your own damn business, people. Worry about our government not taxing corporations, systemic opression, and stop fighting over the crumbs like the small minded folks you are.[/quote]

+1[/quote]

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