Reply to Saving for Daycare/Nanny etc.

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]
Of course you don't have to wait but if you want to know how to afford daycare, it's to have enough money to pay for it. There is nothing holier than thou about it. I could not have saved for daycare prior to my promotion, the money simply wasn't there. We could not have lived off my husband's salary alone so staying home was not an option to avoid paying for child care. At the time, I was the breadwinner and my salary also was not enough for him to stay home with the baby.

We could have physically had a kid earlier but it would have been bad for us and not a good space to bring a baby into. Why on earth would I knowingly go into motherhood with that information?[/quote]

You might not have been able to live the type of life you wanted to live off just your salary or just your husband's salary, but I'm sure you would have survived.   [/quote]

While I will agree that you don't need a lot of money to take care of kids, some people may want more than simply being able to "survive." Just different preferences. I know someone who got married and had kids right after high school before she had any job or career. Her spouse was her age and also had no job. At the tine, I thought, "Wow, don't know how she would take care of the child??" I didn't know about it then but she probably got Medicaid for healthcare and they lived for free with her family. So basically no expenses except for food... It turned out to be fine - it worked for her. A family member of mine had a ton of kids without making much money because they bought a very cheap house and got free childcare from a mother in law who watched the kids all day AND all night. So this person saved money on childcare and she didn't have to deal with the pains of going through the newborn phase. All she had to do was go to work, go home, eat and sleep. Awesome right?

So no, you don't need a lot of money to take care of kids, but people have different standards as to how they want to raise their kids. If you want a nanny, you need to have a lot of money. That is a very expensive form of childcare. I know of only 1 person who had a nanny (I work in a field that is low-paying) and she was able to have one because she was independently wealthy. Most people had to do daycare which is cheaper so I think that requires less savings. A few had free childcare from family members. A few quit their jobs to stay home because they either couldn't afford daycare or didn't want to do daycare. One person spent her whole paycheck on daycare for multiple kids, and wanted to quit her job since it wasn't worth it. But she couldn't because they need health insurance!!! Her husband was working a job that had no benefits. She had to continue working just for healthcare.

If you want to have a choice, you need to have $$$ or a special situation that most people won't have (free rent for example). Money is a real limitation when it comes to kids. I grew up poor so I know it is possible to "survive" on limited income. But not everyone wants to just survive. [/quote]

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