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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You described my life except I have no choice and have never had a choice.

If you and your DH are set for retirement, I would quit. [/quote]

This. I have to go back to work at the same age because we don't have enough for retirement. It is what it is, it's not for fulfillment. Quit if you can OP. [/quote]

Seriously why would anyone work if you don’t have to. Your DH clearly enjoys the breadwinner mantle and that role it gives him. It sounds like the slog of a career job doesn’t fit your phase of life, so enjoy the good life you have been given. [/quote]

If something happens to her DH, Op would be left with no income and very little employment history, no health insurance.  She would have no credit, she wouldn't be able to get a loan.  Simply renting an apartment would be difficult for her.  Luckily, Op and her husband have life insurance and a nice financial cushion which would, hopefully, be more than adequate to sustain her while she looks for a job.  But she almost certainly would need a job for the health insurance alone.

I'm in a similar position as Op. I've been a SAHM for a long time, I don't really need work but with my youngest heading off to college in the next couple of years, going back to work is definitely on the table for me.[/quote]

Op here. I hear you. You raise extremely valid arguments.

I am a firm believer in women being financially independent and secure for themselves and their children. DH and I, didn't have a great financial start to our married life.  For years, we lived paychecks to paychecks and very frugally. That being said, when my  DH became a high earner, it was a stroke of luck that he was at the right place, at the right time. When your prosperity is due to luck, you don't take financial well-being for granted.  When I left my own job, financial insecurity of earlier years, drove me to insist that we become heavily insured.

My staying home with kids was something that both of us wanted, but, I was not going to quit my job just because we could afford it at the moment. Being poor is not a good place to be and I had lived most of my life being low on funds. I wanted to make sure that my family was looked after and I did not have to go back to work under any circumstance for financial reasons.  I had read many years ago that divorced/widowed women and their children, were at a high risk of poverty and that made a huge impact on me.

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