Is It Financially Wise To Be A Stay-At-Home Mom?
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- Опубликовано: 5 фев 2025
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Never understood why being a fulltime nanny is okay but taking care of your own kids fulltime is controversial. Think of it as wanting to hire a nanny for your kids but deciding to "hire" the mom instead.
Very good point.
You're potentially screwing yourself over if the relationship doesn't work out. It's going to be a lot harder to get a job to support yourself and the kid(s).
@@sirpsionics yup
Nannies get paid.
Nannies get paid money, moms get paid with memories , u can only pay rent with one of those sadly
Sadly, there are people who look down on this, but I used to work in daycare, and even though I worked at some amazing day cares, I also worked at some terrible daycare center's that I would never send my kids too. I worked 11 years in daycare center's, and eventually I would love to work at one again. But my kids have never stepped foot in daycare. When I worked, daycare costed $150 a week and that was 15 plus years ago. I can't imagine how much it costs now. I'm so thankful that I'm a stay at home mom. My kids are better for it and I love the time I spend with them.
I worked at a daycare when I was 18. I had no experience. I once saw a co worked give an 18 month old a chocolate chip cookie. She started choking on the chocolate chip. She did nothing. I picked her up hit her on the back 2 or 3 times thank god it dislodged. She was ok. Scared the shit out of me. That was my last day. I told my boss what happened she didn’t seem to care. I told the little girl’s mom when she came in. I’ll be honest she didn’t seem to care either.
My mom stayed at home once 1st child was born. After I was an adult, I asked mom why she never wanted to go back to work. She did not want other people raising her children.
That's how I feel
I'm telling you, being a stay-home mom to take care of the kids full-time is and will never be paid by any price. If you feel uncomfortable with it, you can be a stay-home mom and start a small business at the same time. Sending all love to moms out there!
Stay-at-home moms are like parasites, they just take resources
Do you like my wife did, have a daycare at home.
It’s a job but it’s not a living. That is something you can hire a nanny for. I can’t hire someone to do my line of work and make money. If you think it is not financially feasible, time to grow up and find a way to contribute financially to the family. Otherwise you’re screwed
@@believestthouthis7good luck marrying a man that values that, especially with todays prices.
@@believestthouthis7it's a trap until you find yourself with 2 options: being a 45yo divorced with a huge gap in your resume or staying in a broken marriage only for the money sending a terrible message to your children. Oh dear, money is freedom in today's world
I am so thankful that we are blessed financially, and my wife is able to be a stay at home mom!
Bro You seem chill.. i do food videos while i’m high af on my RUclips channel. I’m more raw & realer than most on here no cap i don’t fake anything 💯im tryna make it out
What do you do to be blessed financially?
Let's simmer that down you made enough money that you can now be lazy and inefficient
@billyr-his children will be well taken care by the mother. She’ll run the household and make the families life better. Def more efficient
Praise God!
I love being a stay at home mom. People say it takes a village to raise a child but it doesn't. It takes dad and mom. It is truly a beautiful thing and a blessing.
It starts with dad and mom but it doesn’t stop there and other ppl do help influence and shape our kids
Not to be mean or anything but what does your day consist of and how old are your kids?
I would say that the “village” does not refer to babysitters and school which in a sense is contracted work. Village refers to people who support you. As a stay at home mom who doesn’t have that, I am stressed when I have to go to doctors appointments or need extra help. I don’t have family close by to help and when you move into a new area like my husband and I did and haven’t found our “village” yet. I feel very much in a panic when I need to be somewhere and I’m told not to bring my kids. My husband can’t take off easily either. So a mom and dad yes, but not an isolated mom. The mom needs a village to help her as well.
@@kathryncallahan7355 I don't think anyone considers the village to be teachers or babysitters. My husband was active duty military who just retired a few years ago so my children weren't raised around extended family. We were blessed to not have to depend on babysitters before they were school age and it's never been an issue or burden for me to attend to my own children. If I had an appointment (which was rare), we were blessed that my husband was able to keep them at the office with him until I was done. So for us, we learned that it takes the people within the four walls of your home. My husband works (as a civilian) for a different department of the Army and has just been sent to go help with the hurricane relief. We don't have family nearby that can help me, so I'm doing everything by myself now and it's going to be okay.
Thank you for saying what you said! Very encouraging to me as I recently became a SAHM. You’re a light in a dark place! ❤
Be a stay at home mom, but have some kind of marketable skills in case your spouse dies, becomes disabled, or if you divorce.
100% (and how many marriages end in divorce?). Also by the time the children are in high school, they're going to need mom to have an income to help with college costs more than mom home doing laundry etc. (the kids can do the laundry). I have friends who are still saying they're a "stay at home mom" and the kids are grown. Wonder why they didn't address this.
@Tavari yes, for sure!
@@martha7811 You're not really a "stay at home mom" after a certain age, at that point you're a woman of leisure, particularly if you also have a cleaner coming. And there's nothing wrong with that, but should only happen if your financial situation is very good.
@@razmiddle9410 Even if you have a housecleaner, you’re still a homemaker. You’re only a lady of leisure if you do nothing constructive. “Ladies who lunch“ do nothing but get their hair and nails done, go shopping, and meet each other for sumptuous lunches at expensive restaurants.
jill9606 I completely agree with you. A lot of women think that it can't happen to them until it does.
My wife is SAH mom. I look at it as an investment in my children’s future. I will never see the financial benefit but my kids will and that is different long game most people don’t realize.
Investment how exactly?
SAH - Subarachnoid hemorrhage.
So well said!! Your kids will benefit so much from a stay at home parent. It’s like I tell people - “No job will EVER need YOU as much as your own kids do in their early years.”
@@angelasimmons-smith7689 benefit more how?
right how are kids with a stay at home parent better off?
I stayed home with our kids FT for about 10 years, and PT other years. We have 5 children. I did go to college and earned a BS in business before getting married. But, mostly the jobs I worked PT were low paying because I wanted a job and not a career during child rearing years. My focus was on the family. We have never driven cars newer than 15 years old and paid cash for them. One benefit of driving older vehicles is much lower insurance costs as well. We never took extravagant vacations. Instead we took 3-4 day trips closer to home (no air fair, etc). I love to cook so saved in that way too. My husband is fantastic at networking and finding low cost home repairs from independent tradesmen that do work on the side. I learned how to repair our washing machines and kept them running for years. We had a family member that found out how little we were living on and they were shocked! I was a little embarrassed because most of our friends lived in a much higher income bracket. But in our 50s our house is paid off, no debt, and I am now working a FT teaching job that I love. I give the credit to God who saw us through these years and showed us the important things in life.
Oh please God? Lady credit yourself and your husband!
Totally agree, my wife came home when our children were small. That was prob the best decision we made.
I love to hear it being praised, appreciated and acknowledged by men. Calling her the CEO of the home.. that provides a lot of good feelings and motivation to keep going.
I am sure more women would choose this route if they knew their efforts would be seen as valid even though it's not the traditional typical career
One thing that nobody talks about is the insane cost of childcare here daycare costs more than our rent and that's just for one child it forces some to become a stay-at-home parent or have most of their income just go to daycare
Looks like you have to open your eyes into the real world AND SUPPORT YOURSELF
Yep! The ugly truth that my partner and I are having to realize as I’m pregnant right now!
@xelainayri13 it ridiculous I live in a lower income area and daycare is $200 or more a week, that's rent idk how people with mutiple kids can do it
@@mikehurt3290 exactly! I work part time, my partner works full time and we realized that if I go back to work I will just be spending all the money I make on childcare. Would rather just raise my kiddo’s on my own and find some kind of side hustle or remote work if I can. Good luck to your family! It’s rough out here
If you gotta ask this question, the answer’s NO.
Or the answer is yes.
my "job" is managing Airbnb rooms, it allows me to be a stay at home dad, and later I'll be a home school teacher.
Soon I'll be able to do Uber again at night for a few hours
I was a SAH mom for 16 years. Fast forward- post divorce I was left with a blank resume for that 16 years and no "Current job skills". My job applications never made it past the screening process. I am now gainfully employed, but It has been a tough road.
Same here. Post-divorce, employers weren't interested in me, either, even though I'd kept my skills updated and my resume was filled with years of volunteer work outside the home. I think my age was the big issue for them.
Great points.
So do you regret being a stay at home mom? What would you do diff if you had to do it all over again?
@@a.c.7069 Same. I was in my late 40s at the time
I’m surprised they didn’t address this.
The second income from a mother will usually all go to child-care expenses. You would basically be out-sourcing child-care to someone else who does not have your same values. Your kid would be sent to a kid-jail with a bunch of other kids fighting/struggling for attention from a minimum wage worker, not getting the kind of attention that you as a mother could give them.
Maybe if you're not smart about it. Once I started full-time school, my folks worked slightly-staggered shifts from each other, so I was never a latch-key kid or in daycare. We ALL did chores. My folks retired somewhat wealthy when my mom could start collecting pension.
Nah-I make more money than my husband, so not all my income went to daycare. Both my children went to daycare and are now in public (*gasp*) elementary school and my son was put in the gifted program for math at 6 years old, always tests in the 90+ percentile for reading skills, so I guess me sending him to “kid jail” didn’t scar him for life after all. I went to “kid jail” too by the way because my mom worked outside the home also. It scarred me so badly that now I have 2 degrees and make 6 figures a year.
@@ayodari_style You are a rare privileged exception. Most people are not in that same class as you. Congrats for outsourcing your children to someone else.
@@John3.36 I’m not a unicorn-there’s more women out there like me, you just may not know them because you judge them before even getting to know them.
@@ayodari_style u judgin' me?
My Spouse stayed home with the Children. i always made sure to work FT, more than enough income and had enough term life insurance to care for her if I passed away.
$0 in Childcare costs.
All Children now adults and university educated doing well.
Truth, no it’s not a bad idea to be a stay at home mom!! When my husband and I had our first kid eight years ago I worked through my pregnancy and then ended being a stay at home mom because my entire paycheck would have gone to the daycare I worked for. I actually have my Early childhood teachers certificate. I have worked as a waitress off and on as it’s worked in. I help my husband run our nearly 2000 acre farm. Now that our third child will be going to preschool next year and our two older kids are in school. I have gotten a part time job as kitchen help in a restaurant. Hopefully I can get back in the education field by next year 🤞 Do what works for you, and your family. It doesn’t have to be all or nothing. The only babysitters we have ever had to have is Grandparents. I know we are lucky in that way.
I'm not a stay at home because we have the financial ability to do so. I'm a stay at home because the Bible says that's the role for women. I'll take God's plan any day over the world's idea of success! 20+ years and no regrets leaving my career to do so. When you have faith, and aren't consumed with covetousness, it works!
I never read where it says women should stay home??? Please tell me where that passage is located? I would love to know. But what is does say is the virtuous woman had a job. It also says if a man don’t work, he doesn’t eat. Stop misquoting the word of God. Real women can work AND manage a home.
@@amechecameron3217 Titus 2:4-5 KJV - That they may teach the young women to be sober, to love their husbands, to love their children,
5 To be discreet, chaste, keepers at home, good, obedient to their own husbands, that the word of God be not blasphemed.
1 Timothy 5:14 KJV - I will therefore that the younger women marry, bear children, guide the house, give none occasion to the adversary to speak reproachfully.
A Christian man should provide for his own family.
@@amechecameron3217this. I just love when wannabe theologians spin Gods Word to fit their agendas.
Both of my dear daughters-in-law are stay at home moms and are wonderful at it. I love them both dearly! My sons are well educated allowing the girls to stay at home raising our young grandchildren. Both boys have sound investments, life insurance policies to take care of their families, and the girls are college educated as well. My daughters-in-law enjoy staying at home and my sons fully support them. I guess It's just nice to have options.😊
I gave up education and work to be a sahm Now I’m financially dependent on my husband and it feels shameful asking the o get my nails done. It sucks being dependent on someone for everything.
Don't feel shame. Your child/children will feel lucky you were around when they were young even if they don't tell you. I'm old now and when us kids were little our mom took a few years off from her job to be a sahm. As we got older she went back to work. My sil is a sahm and her kids are wonderful. They're older now and she's been successful with her "side hustles" through the years. It's just a season. As your child/children start going to school then you can work. You got this.
You definitely gotta look at your financial situation. Sometimes it’s not the best decision
As a SAHM I’m glad they answered this way
My wife and I are struggling with this decision right now. We both make a six figure salary, so child care is actually cheaper than her not working. The benefits to the child though are undoubtedly better being raised by a parent.
You just said it yourself - what's best for the child vs. money. Hope you choose what's most valuable! 20+ years ago I left my Air Force career and no regrets. My oldest daughter is a stable woman now and never had suicidal thoughts or did drugs or got involved in anything bad. She constantly thanks me for how we raised her and loved her and how I was THERE for all those late-night deep talks she needed. The fruit stands before me and it's way worth it!!
Don’t struggle with the decision, just do whats best for your child! You know the answer!
haha dont even consider this unless you have 5-10 million in the bank. So is he going to retire both him and her on ONE income? When will she re-enter the workforce? in 18 years when she is over 50 and ageism applies?
I say go for it. What everyone has been telling me is “You don’t get those first years back.” And it’s only temporary. They will be in school before you know it.
- Gandi
@@thekingcandymanYou might not make it to retirement, and then what? Tomorrow isn't promised for anyone, so cherish the time you have now and not the time you think you may have.
The biggest thing is working out your budget and making the choices you need to stay within it. For us that included me flexing over the years between working, not working, working part time, etc. and my spouse working steadily. At one point, we strongly considered switching roles for a while. I was home full time for 10 years. Neither one of us were huge earners and we live in a pretty high cost of living area but we fall in the category of everyday millionaires commonly mentioned on the show because we followed a plan and monitored and adjusted as needed.
Stay at home mom used to be a given 40 years ago now it's a goal to be able to do a lot of planning and even luck goes into it. It's even looked down upon by some... What a crazy backwards world we have turned into
Right! Used to just be called “Mom” not “Stay at home Mom” lol
Was a “given”?
@@juliettezea9507 thanks?
@@neilsmith9066 how was it a given 40 years ago. Most can’t afford that life
@@juliettezea9507Facts. Both parents worked, even back then. The only time it was a "given" is when the father made a good income that could support it. Which was not the case for most people.
Lol. I’m a stay at home dad. And we’re doing it off a teachers salary.
Any parent can be the stay at home parent, it requires changes sometimes but no one should shame a mom OR dad for staying at home.
Is there any reason why your the stay at home parent?
@@reese85 Wife probably makes the largest income.
How do you makes things equitable?
As long as your labor isn't for free and you have access to your own money and have retirement funds every year.
On a teachers salary though, I dunno 😕
@@kaycure8629 he said teachers salary
I know it'll be hard us the first couple years but I feel raising your child with your families and proper love and care is priceless so we decided for her to quit and I stay working.. After all we can do all through Christ who strengthens us
Well, it depends. Not always.
If you can do it that's great but it's a luxury but not everybody can afford, especially depending on the season.
A few years ago A lady called in who had like 150k in debt for NP or something and was SAHM. Their family was in deep financial trouble, and Dave told her that she shouldn't be a stay-at-home mom. It's not right to have taken on that kind of debt and then burden the family with it and then not work at all even though you have the income potential to bring six figures in.
Stay at home mom is not inherently a bad thing but depending on the situation it might not be appropriate
I talked to my family doctor who said being home with her kids was way more stressful and taxing on her than working in the clinic! O.o
Did she mention why?
I've heard other friends state the same. It's Really Hard being home. No accolades or validation for your work.
It's also the fact that you don't get as much validation.
As someone who works in healthcare it's really rewarding to help people in clinic. You get a lot of people thinking you and truly grateful that you've helped them.
So there's a lot of external validation with what you're doing. Obviously raising kids is rewarding but you're just not getting the same sort of external accolade, as you are a full-time committed parent.
Not to mention certain clinics don't overwork providers and give them a nice balance which can be pretty nice as far as a medical gig goes
My sister is a school teacher and when they shut down the schools and she had to be home with her kids all day, she was freaking out and wanted to be back at work. She told me she didn’t know how I stayed home with the kids all day.
@@kathryncallahan7355 HOLY. Thats saying something cuz my hubs is a teacher & his students are very challenging. He works with special needs so I can't imagine being a mother to a special needs child. Teaching is already one of the hardest professions because kids are violent even these days ... 😢
Far to many families fail to calculate the financial and emotional costs of having/being a working mother. Costs may include a higher tax bracket, a second vehicle or other costs of work transportation, work wardrobe, lunches out, increased use of eating out or minimal prep meals rather than cooking from scratch, as well as child care costs, etc. People will argue all day long about whether a child is better off being raised by a mom or by a day care--pay attention to who did or supported the various studies. One purely financial study said that it costs $60K to have a mom work. Obviously that doesn't apply to all working moms, but it isn't too high a figure for many.
My husband is a truck driver. We are having a baby. I’m going to be a stay at home mom and my child is going to be home school.
It’s homeschooled not homeschool…😂oh buddy
The only scenario to be a SAHM will be wise financially scenario because you gain less than then sending your kids to kindergarten or daycares!
And even if it’s a just balance what you gain and what you spend, you should keep your day job to build a career. At 55% of divorce rate today, and even higher when is your second union…if you are the sole person on the couple taking all the financial risks, it can’t be wise. We all knows someone who are divorce and had a hard time … so why putting all eggs on the same basket? If i had no degree, i will study part-time while I’m taking care of the kids and as soon I get my degree, i work on my field of expertise. If your husband love you, he will definitely support you and the way you want to progress
It's the most important role in work history. You are raising the future humans of our world how is that not important...
True but it has to make sense financially.
The pendulum is swinging the other way and the end of boss babes is drawing near. I think the young generation of women is realizing how much we've been duped by the older women in our lives who nonchalantly told us it's ok to have a full time job then go home to be a full-time mom. Being a Domestic Engineer is a thankless job, but we need to go back to the days where children matter.
Those feminists really pulled a great scam. They sent women into the workforce... drove down wages that now two saleries were needed to support a lifestyle that a man was able to provide in the 50s alone and now for middle class and lower middle class it's almost impossible to be a stay at home mom.
I don't see Rachel staying at home with her kids who is from a wealthy family. She had a workaholic dad who was probably never there.
Lol Rachel situation is far from normal
😢
She choses to work.. Nothing wrong with that. I am sure that her mom who was a stay at home parent plays a role in helping with the grand kids.
@@kara2162 You will never get back the time you lost with your kids by going to work especially if you don't need the money.
@@lyndabelknap8367 That's true. However, some moms are better parents by going to work. The mom shaming needs to stop.
My wife and I set up our budget prior to children arriving. We lived off the lesser of the two incomes. Our oldest is now 17 and we have a 12 year old and she still stays at home. We have our house paid off in 15 years and have no car payments. It's silly not to have a parent stay at home, it's called living within your means.
Family is far more important than money. When the kids are little is the most important time to have a stay at home parent, preferably the mom. Once they’re in the school years you could go back to the workforce.
Wrong! Produce! Consume! Never breed!
Money is everything.
When you volunteer for food bank,habitate,meals on wheel,homeless,etc.. and answer several calls to jury duty at family court you will see that “living on love” thing don’t work well.
I know at least 50 families that homeschool and worked it all out with mother staying home and father not needing to work overtime and working 3-4 days a week with or without pay.
Save,invest,live within means, and having kids you can truly afford and it should be fine.
@@blackworldtraveler3711 Agreed. Carter ruined the public school system with his Department of Education nonsense. Federal minimum standards quickly became expected norms.
@@notabannedaccount8362 🤣🤣🤣🤣
@@jillroberts609 Carter was the worst since LBJ! Everyone remembers!
If you both want to work, you can have one person working 24 hours a week and the other working 32 hours a week. If you stagger working days, you can get full child coverage without having to send your kid to daycare.
Amazing idea! Specially for those who want to homeschool.
Is it financially wise? Of course not. That doesn’t mean you can’t or shouldn’t do it, but financially it’s terrible.
It is financially unwise for women..if they happen to be with the wrong man. Make sure you have a prenuptial that has some clauses about that in case the relationship doesn't work out..or you may be left with scrambling to get a job while the dude just continues on with his life while having to pay child support. You should always watch out for yourself, cuz no one else will. Don't rely on someone else, make sure you have a backup plan. I've heard terrible stories of women that were stay at home moms and then they were left destitute. Just horrible.
I hear a lot of people who glorify being a stay-at-home mother and don't get me wrong. I get it. However, I hear very little on what they can do to protect themselves financially. Let's not just tell women to stay home and tell them what a big gift it is. Let us also tell them how to do so in a way that if they are ever in a situation where their husband dies or they need to leave, they can.
Stay at home mom in 2022 is dangerous with TV adverts and shows, other moms filling their head with expensive ideas. A part time job is a must forget the saving money it’s all about the mom having an identity outside of home plus bringing in money to aid the family.
Being a stay at home mom makes sense if you don't have debt and the man makes money to support it. If both of you have debt, you gotta clear it before kids.
Nope. I now think it's a dumb idea. I have never been in the workforce and I have stayed home the whole time which that has been wonderful. The same people don't talk about is if your husband loses his job. You don't always get another job right away, and you might end up homeless. It is much better to have two incomes so that way you guys are more secure. Also, if your husband all of a sudden decides he doesn't want to work anymore you're screwed. People can snap and change. I'm not trying to be negative. People need to know the full story. Even good guys can snap. It is a regret of mine being a stay-at-home mom.
You're not being negative, but you're just telling the other side that a lot of stay at home moms don't want to hear!!
My dad stayed home growing up. My mother in law did as well. My husband and I are grateful that we had a parent at home growing up. I will say that both had to work well past 65 for some kind of retirement. It financially did not work out for one of us to stay with the kids.
Once a kid start school I don't see the value in it. A second or third income can increase investment opportunities and speed up retirement.
I think it’s unwise, especially if you have children depending on you. If your husband suddenly is injured, passes away, or decides to leave you, what will you do then? Always, always learn/maintain/keep a skill that can make you money. It’s way too risky this day and age to be at the mercy of another person financially.
Depends on the situation in my opinion.
It depends on how much he makes and how much debt they have. They can always work opposite shifts. They always bring up childcare
True, but also must schedule dates and time for eachother. We know a few too many divorces from family/friends doing it this way. The parents rarely gets to see eachother & then there’s infidelity, etc etc.
@@lenaheart8103 This is true. My parents did this and I fully expected them to divorce when I went to college. They barely saw each other for 21 years while my sibling and I were at home and grew very much apart. Thankfully they are doing better now.
We’ve used our good fortune in the housing market to allow my wife to be home with our kids.
Now that the market is stalled and they are ten years old we may have to reconsider.
it is not an option in most household nowadays with this crazy inflation and debt. Husband and Wife both need to work and work around childcare as much as they can because one income is mostly not doable and cause so much stresses on the partner.
Make the math work and do what you want dude, IF the math works.
Depends on the money you could be bringing in and the cost of daycare for your children. Dont even bother if more than half of your take home pay is getting eaten up by child care.
You can stay at home and still make a passive income. I sell vintage t-shirts online that I thrift. It takes minimal time.
Teach us about this!
Seriously . As a minority person, this was not an option due to real life. One parent works the day shift one works night shift. Our children had college funds. Debt free. Eventually, rental property. It changed our families future for generations. 😊 My parents did this and we did this.
Sad. My mom worked night shift too and I hated it so much that I vowed to never have children unless my future husband and I could afford for one of us to stay home with them. I know my parents did the best that they could, but working different shifts strained their marriage and left me with abandonment issues as well that I ended up needing therapy for. Money isn't everything in life.
SAHM is a crucial role but it only works out long term for people that share the same hard core marriage beliefs. Society doesn't seem to care about enforcing marital vows (while also at the same time encouraging people to casually enter marriage vows), and that has made what was a high reward occupation into a high risk occupation. Unless you have a rock solid relationship and share absolute beliefs about fidelity and diligence to maintain that fidelity, then having a parent (typically the mother) be a full time stay at home parent is a huge risk for her (them). Most people like to romanticize the idea that their own marriage is bulletproof, but the vast majority of people seem incapable of realistically envisioning what their future actually holds, we are by and large too impatient and too trigger happy to end a relationship when it faces a challenge.
I have a small nest egg that I've built up for myself pre children. But as soon as I have children, I'm opting out of the workforce. I work from home and many people assume that it would be easy to continue working after having children, but my job requires alot of attention to detail that I don't think is possible to do with a toddler running around. I'd go back to part time work when my children are older, but I've seen too many women run themselves ragged trying to be a career woman and a super mom at the same time, and then inevitably failing to be either one.
You make the decision to be a "Stay -At-Home Mom" not because it's "Financially Wise", you make it, if you can financially afford it in order to be more involved with your children's development. Spoken from a man without children.
I definitely think with remote work growing, it is getting easier to manage being a parent and working a full time job. I’m not a parent so I wouldn’t know, but would love to hear a discussion!
As a full time worker and a parent, it depends on how supportive and alert your spouse is. When the spouse treats it as you being out of the house but with a quick commute and lunch break, it’s great.
Sounds good if you let the television raise your child. Otherwise small children need to interact, learn, and experience adventure.
@@haley2542 Yes, if I had a trust fund and did not need to support my family financially, quitting my job to raise the kids more would be ideal.
@@notabannedaccount8362 Or becoming financially secure without a trust fund works too! There are so many ways to earn money, and so many ways to not spend money (even with kids!) that aren’t a 40+hr/wk time commitment.
that s why company want the employees back to the office because seriously the quality of work goes down hill
A kid needs both parents, not just a mom.
A stay at home mom can still see to it that dad has plenty of time and dates with the young ones and for family together activities. So can he.
I’m a stay at home cause I can’t afford daycare and I lost my job during the pedemic when I found out I was pregnant. My husband works so it helps with bills and I get child tax which helps with groceries and cloths for my daughter. Sometimes I get shamed for being a stay at home mom
Working parents do both. Good luck if you get divorced
Two out of three divorces are initiated by....women!
Working mothers do neither. Show up late, text or on the phone about the kids frequently, half-@ss everything, skip out early, and burden co-workers with the mess.
Working mothers are usually some of the worst employees. There is a reason why a lot of employers don't want to hire pregnant women even if they legally can't deny them employment due to pregnancy.
@@genxx2724 because men don’t sacrifice days off for sick kids like mothers do
@@Theescapist_87 I don’t want young women as my doctors because they will take leave and then work part- time, making it difficult for me to get appointments.
Being a stay at home mother is one of the worst financial decisions you could ever make.
The years you lose in the work market will be detrimental to your career progress and can completely ruin your financial independence if divorce or death occurs to your spouse. Working part-time would be the better option since you can still have time with your children and have a foot in the door if and when you return full time. I've known too many women who depended on their man financially, and it did not pay off. Do not depend on another. Being a mother is wonderful however being a single mother, a poor mother or a desperate mother is not.
Do not give up your financial independence. Men do not so you shouldn't either.
Co parenting. Getting out of the house and working weekends (not every weekend but some) having skin in the game for both parties is important the husband should take care of the kids when she's working on/off. Too many women just don't wanna work, to be fair too many husbands don't wanna do 💩 around the house.
Stuff around the house, like what?
It absolutely IS unwise to do anything if you aren't financially set for it. Also, found it a little odd how they didn't acknowledge stay-at-home dads.
The reason it may seem odd to you that they didn't acknowledge stay-at-home dads is probably because they are moreso biblically based in the advice they give to people, and biblically the man is supposed to take care of the family financially "if he is able to" (he has no disabilities that would make him not able to do that in other words). Women can make money in a biblically based scenario too, but it's mainly the man's job to take care of his family if we're strictly going by "biblically based thinking" though.
@@Sheryl777 Makes me glad I'm not religious. Too many double standards.
@@besweeeet2 Well it takes all kinds in this world, so you have a right to decide whether you want to believe or not believe.
It really depends on the degree and the field because for some industries having a gap may mean the women could not go back to work at all. For this reason it's also not as simple as comparing daycare cost and take home pay because in the long run it can affect lifelong earning potential and retirement. My mom sacrificed her demanding, high earning job and became a SAHM. There's nothing more that she regrets at age 65.
I’m sorry your mom feels regret. We can’t have it all. Not having children would have been one option. I don’t think it’s fair to have children and then dump them in daycare.
@genxx2724 imho there's nothing wrong with sending kids to daycare.
I think the question was a stay at home mom extended permanently, even after the child is raised.
i.e. a homemaker.
This is something my husband and I are currently working towards before baby comes. I make $2800 after taxes and benefits but once baby comes if we need to put it in daycare it will be almost $2400 a month 😳
And it’s awful paying someone a whole salary to watch your child 😮
I couldn't imagine not being a stay at home mom. We also homeschool, which is majorly needed in this day and age of "agenda" driven teachers and school systems. I did finally get a super part time job being a private contracted companion for an elderly friend. I get to set my own schedule for it so I can work around family watching the kids.
Plenty of socializing at Starbucks in that agenda I’m sure.
@@edhcb9359 😂😂😂😂
Lazy
Your children will genuinely thank you for your selfless sacrifices when they grow older. Sounds like you have an optimal system set up with your work and family. That's awesome MP. God bless you.
@@edhcb9359 🤮
Child care for two kids it so expensive it's worth it for some moms to stay home and raise the kids! If they want to of course
If anything happened to the working spouse (injury, death), could you make it?
Are your benefits, investments, and own skills enough to sustain you and your kids if anything happened to your spouse???
Or would you be struggling to re-enter the workforce with a significant gap in your resume & relegated to working minimum wage jobs…
Well they must have life insurance and disability insurance I’m assuming
@@reese85 this doesn’t apply to me bc I don’t want kids or a spouse.
For those who do want/have both & insurance, I’ve still heard how it wasn’t enough/sustainable.
@@BusinessBox13 I didn’t necessarily mean you! I should prob reword that
@@reese85 and life insurance pays out what? $100k maybe?
@@melinda67 depends on your policy right? I have one for $125k and another for a million
This is such an insanely misleading video. What happens 16 years later when you have no current job skills and your husband divorces you? Do you really want to be stuck making minimum wage? Or even potentially homeless?
Exactly!! A lot of women thinks it can't happen to them until it does!!
You young SAHMs and SAHDs don't realize just how many skills you put into running and *managing* your households. If you sit down with a pad of paper and pen, you will realize that you'll have plenty to put on a resume.
Which is more important your finances or your kids?
Finances!
how does working make your kids less important 🤔
@@Hotnik0813 if your okay with the state raising them then so be it. I prefer in a marriage one works and one stays at home and raises the kids.
@@dinospumoni8860 How about Both stay home, on pensions
and raise children.
@@aolvaar8792 only way that’s possible is at 38 after both retire from military with 20 years going in at 18. Even then 38 is high risk when it comes to pregnancy. Could be done if you adopt. Plenty of kids in the system need a home.
Of course, you can say that if you have a husband who makes $$$. It’s just not practical for some families.
Stay at home mom is a good decision if it is only for a short period. If you are considering to remain stay at home mom until death then it is highly likely that the woman will run into unanticipated issue. Life throws a lot of curve balls at you. A guaranteed source of income throughout your life is essential.
What if your parents (kids grandparents) are nearby to babysit...then childcare isn't an issue right?
Not only has it been financially wise for us. But it’s also biblically sound
It is only financially wise if your wage is less than the cost of childcare. For most people, no it isnt financially wise. But this isnt something you do for financial reasons.
Let’s see ant one stay home and be a stay home mom and see how easy it is. Please. I worked more at home than at work.
Way more work as a SAHM. That's why I've been SAHM for years plus running my own business, working from home. I need that outlet to feel fulfilled. Taking care of kids, chores, errands and everything else is depressing to me.
The people in these comments need to step foot outside of their gated community and realize there are people who simply cannot afford $15/hr in states where management jobs, that require several years of experience, start at $22/hr.
I am contemplating being stay at home, I am currently not a mom but it is in the “plans”. I have my own separate investment accounts I contribute to each month…advice???
As long as you dont go to college or be a mom.. you will be financially ok. But take out a school loan or pay a qt mill in 18 years... neither sound good at this point.
What do they think about stay at home dads?
I'll bet Ken's answer will be very different.
Rachel's answer may be the same.
Dads ain’t supposed to stay at home
Dad's are not important.
We can do it by ourselves
I’m a stay at home dad. Social roles for parents are the dumbest thing I’ve ever heard.
What bigger way can you be the man of the house than LITERALLY being the man of the house?
@@jermaineblalock5553 stay at home dad’s are actually on the raise!
The human ATM needs to go out and work to provide for the real heros. Stunning and brave ,♀️ power 🤮.
👰♀️.and 👶= 💀 of freedom.
I honestly don’t understand how “full-time career working Moms” have any time for their children! I’d only see my one-year old for 3-4 hours a day if I had a typical full time job. And it would be rushed and busy time not the full days of love, laughter, exploring, and learning that I get to enjoy with her being a full-time Mom!
And when you kid goes to school then what? You don't need to be watching the kid, you can work!
20+ years and I have no regrets! I also homeschool my kids and they score highest scores in nation in testing on math and above average in everything else. It's better than private school and cheaper! No one knows a child more than a mother that's actually present.
Being a SAHM is unwise simply because you are missing out of years of retirement savings. Also, it's better to earn a wage and be able to support yourself just in case of divorce 😉
Not true. If you marry the right person you don't have to worry about this. If my husband just so happens to lose his mind and divorce me, I get 50% of his retirement (he retired from his first career a few years ago). If anything happens to him first (God forbid), I become a millionaire and I will receive a monthly stipend for the rest of my life. We also have a child with a mild disability who will also receive a check (not ssi) because I wasn't eligible to receive this particular benefit.
@@andreamichelle1 How will you manage if he trades you in for a newer model next week? 🤔
Maybe unwise if money is the most important thing. But not everyone thinks or feels that way.
If youre living for your life at 65 when youll enjoy just about nothing as much youre doing it wrong
@@andreamichelle1 you are the exact woman men fear marrying lol congrats
what if there are no kids in the house and they are in school? would it make sense to be a stay at home mom? Cleaning the house doesnt take 6 hours and i know alot of stay at home moms that keep busy by going to lunch with their freinds, and joining boards. Not disregarding the hard work of taking care of children but if your trying to keep busy cause the kids are at school why not get paid for it.
What if you're not married and the woman carries the insurance? Dad owns his own business and has VA insurance.
Stay at home mom may not be the best financially lucrative choice. It is the best choice spiritually for your kids. So you don’t send them to be indoctrinated and raise them in the fear and admonition of the Lord.
Being a stay at home parent is not a job, it's an obligation we all make when we decide to bring a child into this world.. I cannot stand when someone uses raising their child as an out for a "job" or have to "babysit". No, it's called being an adult, a parent, a contributing human being to society and family...where do these people work at that say it's cheaper to stay at home, Burger King? Maybe if you're making minimum wage, but six figure incomes, no way. It's an excuse to stay at home.
Not true with the high cost of childcare it may be cheaper to stay at home and raise your own kids.
Ken's wife is the Chief of the household.
If your spouse is in a cheap city and makes $150K then that's fine.
Yup.
Even half of that with family of four where I live.
The guy seemed to dominate the opinion from the start. Would he be ok with being a stay-at-home dad if it's the "greatest role" ever? Of course stay-at-home parents should be applauded but it always seems that the financials are taken out of the situation. What if the parents were $200K in debt and one makes $100K a year and the other makes $70K a year? Is it financially responsible to tell the parent making $70K a year to stay at home when childcare could get figured out for let's say $30K? Also, does it makes as much for a stay-at-home parent to continue in that role once all the children are school age? Many families can still have both parents working and put a hot meal on the table for dinner and take care of errands (esp in the Internet age where most transactions happen online).
Is term80 worth it. I don’t see a lot of information on it.
If you can afford it, then YES.
If you can't afford it, then NO!
Simple right???
you have to look at current day prices and expenses, one man earning and a family living on one source these day risky what happens if the man loses his job then entire family in jeopardy if many and woman works even if the woman works in a low pay jobs even that helps in case if the man lose his job so
Yes it’s priceless. Stay at home moms are the hardest working ones there are
Most SAHM's seem lazy/entitled/inefficient to me in modern Western countries. If I were a SAHD, I'd work/trade or run a business from home. Get the kids to school and make money. Aim for financial independence for myself and my spouse. Modern Western housekeeping, and banking/shopping online, is EASY these days.
RKmndo I completely agree with you because when the kids are in school the mom needs to be in the work force earning an income. It is not wise for a woman to be completely financially dependent on man. It puts a woman at risk for financial abuse. Also, if they get divorced or if he becomes disabled and no is able to work,the wife may not be able to financially support the family, because she has no college degree, job skills or/and been out of the work force for extended period of time. A lot of women thinks that it can't happen to them until it does.
But is he going to give her equal decision-making power while she's home? Is the money he earns and his property, assets, and benefits of his job going to be equally shared with her like it's all hers as well? Or is HE the final say in things because it's HIS money he earned? People hardly ever discuss the details on this subject, and it's so frustrating!
He shouldn’t have the final say because it’s “his” money. He has the final say because he’s her husband.
@danielr8826 Believing a husband is the rightful final say in a marriage is extremely patriarchal and misogynistic. She's can think too. For goodness sakes! Not all teams need to have a designated leader being the final say calling shots. I would hate to be married to anybody that thought they needed to be the leader. How annoying. How insecure. Ridiculous.
Yes the right man will 💯
Every partnership is different what works in your home may not work in another. You have to negotiate what's important to you for a successful partnership.
This is the right question to ask. Some men want to have their cake and eat it too. They want her to give up her career and income for the sake of the family, but the money he makes is somehow only HIS money and not family money 😂