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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Many more parents could SAH than do if they were willing to give up certain things in life (I’m not talking about basic expenses) and they simply don’t want to. Which is fine, but own it. I hate when a parent says “I can’t afford to SAH” when what they really mean is “and keep the same UMC lifestyle.”[/quote]

Maybe not on DCUM, but there are a ton of dual-income parents who are still only, gasp, middle class.  Even with two incomes.  So your comment is pretty ignorant.  But yeah, being able to afford college and not be a burden to your kids in retirement are luxuries for the UMC these days.

I will admit I'm very risk averse after watching my aunt struggle to re-enter the workforce after my uncle died suddenly when my cousins were still young.  He had some life insurance but most people don't have enough to truly replace their income.  [/quote]

My Dad had a brain tumor.  Even with health insurance and help from my grandparents, the costs absolutely drained them. Breadwinner parents can get sick and it can be nobody's fault.[/quote]

+1.  I'm so sorry, and yes, I've watched this type of situation play out too.  I've read some analyses that the risk of disability is higher than premature death, but fewer people are prepared for the former.  And medical costs can be absolutely devestating.  [/quote]

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