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][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, [b]your justifications for whatever you do are not really the topic of this thread.[/b][/quote]

Neither is the SAHM's philosophy/rationalizing for not having any kind of contingency plan in place.  The point of this thread is the importance of having a plan and knowing what that plan is.  And I am not "justifying" my choices. I am happy with my choices. [/quote]

The point was to ask what plans people have, if any. And who on here said they didn't have a plan? I must have skipped a post. There is a difference between not having a plan and not having a plan that you approve of.

Some people don't prioritize "what if". What if you lose your job and can't find another? What if you and dh get in a car accident and can't work anymore? What if you both get laid off? What if the stock market crashes and then you get laid off? What if you have an emergency that drains your savings and then both you and dh get cancer?

We can play what if all day.  All of these things have happened to people. But there is no need to live life thinking the worst. Pay attention to what is in front of you. And "you" means "you". What other people are doing isn't of concern to you; and if you are honest, you really don't care as far as it concerns people on here. You just want to feel like you have done something right in your life.

Btw, I think relying on a job is stupid, but my life is my life. You go to work, and I will create work for others. I don't need to get a self esteem boost by lecturing you on my perception of your choices.[/quote]

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