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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I don't think you're necessarily in bad shape although you haven't shared any numbers with us.  If he's making $300K per year and he takes a 33% paycut to work fewer hours and you're still pulling in $200K per year you should be in good shape since you have no daycare expenses and you have no mortgage.  I mean, let's say he took out a ton of student loans and had $300K or $400K in loans (are they even that high?).  Your loan payment is basically what other people pay for a mortgage payment.

Work might bother him less if he's working more reasonable hours.  [/quote]

He doesn't make quite that much - if he went part-time, he'd be making around $100-120k. We live in a modest home ($400k) so that keeps our expenses down, and could possibly downsize further if we really had to.  Student loan debt is at $150k. Public schools, no daycare, just preschool, one activity per child, and a few camps in the summer.  We'll definitely need to cut out the summer camps.[/quote]

You wrote above, "I spoke to him tonight about it and told him the only way he could go part time is if he were to pay off the student debt, we downsized, and drastically cut our expenses. So he said let’s start looking at smaller homes. Not how I wanted that to go. But I guess that is a viable option for us if we are willing to move."

How do you downsize further from a $400K house (unless you are living in say, Arkansas)?

How old are your kids?[/quote]

We are in a single family home currently so we'd have to downsize into a 1200sq ft condo, townhome, or twin.  3 kids between the ages of 3 and 8.  I grew up in a small home, so I'm not averse to it, but I would be sad that we would be less able to host friends and family.  And I think DH would really miss having a backyard for his gardening - but if it meant that he could work part-time, he'd be willing to give up the gardening.
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