Reply to Marriage dynamics - one vs two income households

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Stay home. It's absolutely insane to work for $35k a year and pay daycare $2k a month with aftertax money. You will never see your baby. Babies sleep around 7-7.

You do everything anyway. I would suggest hiring a babysitter once a week so that you can take some time for yourself. [/quote]

Why don’t you take the daycare expenses out of her Dh’s $200,000 income instead of her $35k share?[/quote]

OP here.  So [b]after tax[/b] math.

156k (DH) + 21k (me!) = 177k combined after taxes estimated from current paychecks

Daycare will be about 26k (2200 x 12 months).  I assume a nanny will be more, but considering as more flexible.

So, math is that we'd have 151 take home if I work.  Or if I don't work, take home is 156k although I don't know how taxes will change with 2 dependents.

I'm struggling to see how my working is best financially.  I could be wrong here, but I'm personally not seeing it. 
[/quote]
Does your work have any benefits that you haven't listed?  Better health care, 401k match, bonus, etc?
It sounds like your mind is made up.  You just need to green light to go ahead.  Discuss with your husband tonight, with numbers and then go! 
If you do not enjoy staying home, you can always look for a better position later.[/quote]

As we are a small non-profit, the benefits aren't good.  They offer no matching, no bonus, terrible health insurance, and no FMLA due to less than 15 employees; job handbook policy is that my job will be held for 4 weeks following birth with unpaid leave.  The only benefit is that they offer a $30/month exercise benefit so I get reimbursed for 1 cycle class/month if that counts.

I guess I'm leaning one way, but I still worry about stepping back professionally as I never thought I'd ever consider staying home even though I was raised by a SAH.  [/quote]

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