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[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]

$400k home, where the heck do you live? Does he have a long commute?

Yeah, as a single breadwinner he can’t dial back. Even with paid off house $120k is tough (we did the math for that) especially with 3 kids.  Esp if you have to pay health insurance out of pocket.

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