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Reply to "Taxed a lot because spouse makes six figures. "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Op, it’s good you are asking these questions. You have time to sort things out do you feel comfortable with your own financial security. What is a good career path for you? Nursing? Medical assistant? Dental hygienist? Teaching? Your part time hours spent right now would be better off taking classes for certification towards a future professional career. Ideally you could start that job when your kids start school. Schools are desperate for substitutes right now. You could sign up as a lunch monitor or recess monitor and see if that’s a good fit for you. The kids will be in school in a few short years. If you were able to get, say, a teaching assistant job by then with healthcare and retirement benefits you can really take control of your financial future. Your husband does make some conservative financial decisions and on the whole that’s better than the opposite, but you need to have your own backup plan for your future earning potential. Good luck. [/quote] Op here. I do get benefits with my job.now and we already have heath care with his work. The pay lower for teachers assistant and also fewer hours per day, so I need to work more days. Maybe depends on the district. At Starbucks, I make $16 and should get a raise to $17 soon because they do a raise after 60 days. My manager said I was doing great and going above and beyond. [/quote] But let’s think long term-do you want to manage a Starbucks store for ten years? Cover shifts that other employees have dropped? Work weekends and nights indefinitely? Starbucks is getting a lot out of you, trust me, they are a billion dollar company, they pay you no more than they have to. but you need to make sure you are getting something worthwhile. The teaching assistant job would probably come with a pension and would allow you to work the hours that your kids are in school and not have to pay for after care. Plus it would allow for growth, moving up into teaching or administration in a very family friendly occupation. You could pick up tutoring or barista work in the summers too. Taking a hit right now on your pay which is actually not that great is worthwhile if you are building up to future earnings. [/quote] She can switch hours once her kids are in school. She never said anything about managing it. Not everyone wants to work full-time. Maybe she doesn't want to be around kids all day and then come home to them. [/quote] Op here. I have considered the aide position. Is that what you mean? But my kids are 2 & 3. They will be in morning preschool in the fall, three days a week. At first, I wanted to work not because of money. It's because I am lonely as a stay at home mom. I always find a way to make a little money by doing online work, mostly one-time projects. My sister is a teacher, so she tells me a lot about it. She doesn't have kids and is older than me. She's not recommending it for me. I also work at the gym childcare only 7 hours a week spilt up into two days. There are a lot of mom's working with me at the gym childcare and at Starbucks, I have coworkers with kids. I think overall, it is helping my mental health to work part-time. When my kids are in school I will have more time to focus and see about another career. I do feel it would be very hard to balance a full-time career and motherhood. I am going against the norm in my culture by working. All the women here in the US from my background do not work. They don't know about their husbands' income. They don't worry about anything and a lot of them judge me for working at Starbucks. They look down on me; I know it. I walk to my job because it's so close to our house, and people from my community go to Starbucks, so it's easy for them to know where I work. Despite this I'm not going to let it worry me. It's better for my kids that I am mentally healthy. [/quote] Don't worry about the taxes, OP. It's great you are self-aware and know working is helping your mental health. We all need an outlet outside of being a parent, and if it gives you a little money, that's a bonus. Remember, working means you will get social security benefits. [/quote]
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