I wouldn't SAH until you come 100% clean about the CC debt (hubby probably thinks it's been paid off) and have paid it off.

We lived on that salary for almost 10 years with a little help from my parent (about $10k per year). We didnt have recurring credit card debt and our mortgage payment was only about $1500 per month. We didn't have a ton of money for savings/vacations, but we didn't go into debt either. My wife just went back to work but picked an entirely new career.....

No, you should not stay at home when you have $56K in credit card debt and are hiding some of it from your husband. You are living way beyond your means. Stop making excuses about where the debt came from. Own your past choices. Make it a goal to get your debt and get your spending under control and then you can stay home.

Are you still adding to the cards? I hope not.

Anonymous wrote:

Anonymous wrote:. And furthermore, you are having to put things like water heaters and a fence on your credit card, which means you can't afford them with cash.

But according to the OP they do have 200K+ in "stocks." Why can't they sell some of it to pay off credit cards and/or pay for household repairs?

They probably just don't want to. With an HHI of 230k, they could have paid for those repairs with cash, but it's easier to put it on a credit card and forget about it than have your freed up money gobbled up by a huge expense.

OP, I do think if you are the one who is steering this boat, financially, you need to take a financial management course or something. You just make very silly choices with your money and you two make WAY too much money to be in this predicament. And I'm no saint when it comes to money either, believe me, but I'd never put a home repair on a credit card when I was bringing in 230K.

Anonymous wrote:. And furthermore, you are having to put things like water heaters and a fence on your credit card, which means you can't afford them with cash.

But according to the OP they do have 200K+ in "stocks." Why can't they sell some of it to pay off credit cards and/or pay for household repairs?