Reply to SAHM: what do you do to protect yourself financially?

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Reply to "SAHM: what do you do to protect yourself financially?"

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[quote=Anonymous]I like to point out in this threads about stability and finances that you really don’t know if your husbands health or your health will support a career. 
I work in healthcare, so of course I see all the men and women in their 40’s and on with debilitating diseases that make them unable to work (Multiple sclerosis, ALS, Parkinson’s, early onset dementia, stroke, car accidents). 
So to me, having 2 working adults is great, but it’s not this magical guarantee.  It could be said that it’s just as likely that a working mom will have to support her family on the lesser income, or go full time, as a SAHM taking a few years off to be home with their babies.
If they are alive, and have a chronic progressive disease, there is no life insurance and you are on the hook for medical bills as well.
So for all those crowing over their financial security over a mom that steps out of the workforce for years while the children are young, it’s possible that you too could become the sole breadwinner for your family and lose that big husband income as well.
Life happens, and we make the best choices we can. I’m certainly not going to work through my children’s infant years on the chance we could get divorced just as many of you are not working full time 80 hours per week saving every penny on the chance your husband is in a car accident and paralyzed.
It just is not that simple [/quote]

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