Reply to if you SAH, how do you plan for DH leaving, dying, etc.?

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Reply to "if you SAH, how do you plan for DH leaving, dying, etc.?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Do WOHMs have a plan? So many state that they need the two incomes in the DC area. What would YOU do with just your one income? [/quote]

This is a silly, defensive and disingenuous question, but I will bite. Yes, most do. That is why they work, in part, because they are aware of what would happen[b] if they lost thier[/b] husband's income. Through their employer, most will have gap insurance for the death of a spouse.  Also, because they have been working, most WOHM would be able to keep their job, which they would need even more [b]if they lost their husband or got divorced[/b].  If it was the WOHM who lost her job, most will be able to collect unemployment, and will, of course, be looking for and be able to find another job.  The point is, there are much lower risks when both spouses are working. [b]If one loses a job[/b], you adjust and live off the remaining income. When only one spouse is working its obviously going to be a larger impact[b] if that spouse dies or loses his or her job[/b].[/quote]

You are missing my point.  See all those "ifs?" What is a definite is that your child is in a daycare, with a nanny, au pair, relative or something of that nature right now and you are working.  You are not with your child while you are working.  That is always, 100% going to happen if you choose to work full time for these "ifs."Life has a lot of "ifs", awful horrible unplanned things happen, but I, and perhaps other SAHMs of young children, are not going to give up this time with our children for things that might happen when right in front of me, happening right now, is the time I have with my little ones.  [/quote]

No, I am not missing your point. It is a question of priorities. IF you got divorced or IF you lost your husband, your kids would be impacted. IF you have no plan in place, your children would be negatively impacted. Divorce is not a wild, entirely unlikely event. It happens often and very few people set out intending for it to occur, but occur it does. We all die, many of us get sick, and many of us lose jobs. These are not outlying possibilities, in fact, they are more likely to occur then many other things you insure against. Nobody is saying you should sacrifice your time with your children, something we all value. I just happen to have decided its more important to 100% know that I can provide for my children alone than for them to have 100% of my time during the day. [/quote]

I think the pp wrote a beautiful response. But you are too stupid and hot-headed to get the point.

Good for you and your priorities. If you are so confident in your choices then there is really nothing to discuss. And furthermore, your justifications for whatever you do are not really the topic of this thread.
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