Reply to S/o SAHMs - why do so many men want one?

Forum Index » Relationship Discussion (non-explicit)

Reply to "S/o SAHMs - why do so many men want one?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm surprised to hear "so many men" want their wives to SAH. I think some baby boomers may, but for most younger people all of that went out the window with present-day economic realities.[/quote]

Man here with SAH wife.  Not sure I realized I wanted one till wife decided to stay home after first kid.  Sort of like how you have no clue what it will be like having kids till you have them.  I make a decent salary, my wife was making about 60k per year, so when you tax her income at my highest rate, then add in extra costs of work stuff and meals out that come with dual working spouses, the extra money from her job was somewhat negligible.  Our house runs smoothly.  We relax once kids are in bed.

If she wanted to go back to work, I would support her.  But all else equal, I much prefer having a SAH wife.[/quote]

The flat in this is that she isn't saving for retirement.  She could invest 18k a year tax free if she had a job.  Over many years this adds up.  Same with social security.  Your wife will be severely disadvantaged come retirement age just so that your house runs smoothly.  Pretty selfish imho.  [/quote]

Np. I am a SAHM and we invest $100k a year extra for retirement. Plus we max out any tax advantage vehicles open to us (one 401k, 2 IRAs, and one HSA). Why would you assume they are not? [/quote]

Because you can't invest in a 401k with pre-tax money if you don't have a job.  That's great you and your husband invest a lot.  We do as well.  However you still won't have your own retirement account and you aren't paying into social security.  If you end up divorced you'll end up working at Walmart.  The 5k a year ira isn't going to do much.   The money you invest isn't protected like retirement money and is owned by both of you.  Whereas your husband owns the 401k and he also is paying into social security.  You're at a disadvantage.   [/quote]

Well we don't count on SS in our retirement figures. If we divorce, I will take half of DH's 401k and other retirement accounts AND the equity he owns in his business which is worth several million dollars. We both pay taxes on these stocks so we own them jointly. A divorce would be very expensive for him. You don't need to worry about me. Thanks for your fake concern though  :roll: [/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics