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[quote=Anonymous][quote=Anonymous]I have three kids: 10, 8, and 2, and my DH and I both WFH full-time.  I just passed the threshold into six figure territory and would only expect to make more as time goes on.  We save a decent amount but have considerable debt - mostly student loans - and need to save significantly more for college. Retirement/investment portfolio is okay.

All that said, we could easily live on my DHs salary and I can of course see how things would be much easier/better for everyone if I didn’t work.  I feel extremely disillusioned by the work world and particularly with how I’ve been treated - please don’t tell me how great your working experience has been, that’s just not been my experience - I am good at working and thought I wanted to be an executive, but I’m just kind of disgusted by the whole thing.

Anyway, I’m considering leaving the workforce and over time building up some kind of enterprise independently, but on my terms as an owner.  Is this totally dumb? Anything I should consider outside of the obvious reduction in HHI?  I would plan on a post-nuptial agreement to include deposits into my retirement account, and DH and I agree on finances overall so I don’t see this as a huge risk. [/quote]

Let me try and recap this, and subsequent posts:

- Your HHI currently is about $320k per year.
- You have "considerable debt"
- You need to save "significantly more" for college 
- Your current retirement savings is "okay" - whatever that means.  To me, it translates to, "not enough"
- Despite all of this, you think you could "easily" live on $100k less each year.  No mention of clearing the debt, saving for college, or future retirement savings.  
- You would like to quit because you are "disillusioned with the work world."  Translation, you don't like working.  Join the freakin' club.  
- You say you have been poorly treated in the workplace, and so your solution is to quit work altogether, not find a new job.  Brilliant.  
- You make vague reference to starting "some kind of enterprise" (meaning you don't have any idea what it would be) "over time" (meaning you don't have any firm timetable).  This is code for "something to tell my husband to justify my decision, but we both know it won't ever happen."  
- You are quitting primarily because you don't like work, but still want contributions into your retirement account.  
- Your husband says he's OK with this, but you think he would (understandably) prefer that you continue to work.

You are out of your effin' mind.  Despite a very healthy income, you haven't hit your savings goals yet - and your plan is to reduce your income by roughly 1/3, and assume that you will be able to meet those goals?  If it will be so easy, why haven't you done it this far, with far more income?

It's clear that "better for everyone" means "better for you, because you hate your job."

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