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re: Dual income households, what's the cost/benefit of the lower earner's wage?
Posted on 1/22/16 at 8:08 am to Kujo
Posted on 1/22/16 at 8:08 am to Kujo
quote:
Would your kids be better Home Schooled?
Unless you feel the need to brainwash them 100% into your religion, then very few kids are better home schooled. Home school is 100% teach to the test.
0
Posted on 1/22/16 at 8:09 am to its1999
quote:
No adult, when asked if they were born all over again today and given the choice of A) staying home with their mom or dad all day or B) sitting in an unfamiliar room for 10 hours sharing the space, time, and attention of 3 barely literate high school graduates with 19 other screaming babies would choose B.
is that why my daughter gets really excited and races to the door everyday so she can go to her preschool and play with her friends and teachers?
Posted on 1/22/16 at 8:09 am to Kujo
quote:
How much do you weigh in your own wants over what's better for the kids?
"Sure we don't get to spend as much time with or are involved in our kid's lives..... but we have a better retirement for us"
This is asinine. We spend tons of time with our son. His time at daycare is a great way to learn social skills. Even if my wife still stayed home, we were sending him to a preschool geared towards learning so that he'd be better prepared for school and have interaction with other kids. There's a group of stay at home mom's on our block that my wife first got involved with, but they either send their kid somewhere a few days a week to get interaction, or they are fricking wierd. And that's not a personal judgement. They admit it. One of the moms said she hopes her kid isn't popular because she was a nerd in school and wouldn't know how to handle it. That shite ain't normal. I'd prefer my kid go to daycare and learn the skills required to interact with other people.
Posted on 1/22/16 at 8:10 am to Kujo
My wife just starting working again this year now that my kids are old enough to be in school.
Benefits- 1. it make her feel like she is contributing. 2. HEALTH INSURANCE
I am self employed so our health insurance before was about $1,000/month with a $5,500 deductible. It now cost around the same premium but with a $30 co-pay.
Cons- 1. we can't just leave on a Thursday and go out of town whenever we want anymore.
Benefits- 1. it make her feel like she is contributing. 2. HEALTH INSURANCE
I am self employed so our health insurance before was about $1,000/month with a $5,500 deductible. It now cost around the same premium but with a $30 co-pay.
Cons- 1. we can't just leave on a Thursday and go out of town whenever we want anymore.
Posted on 1/22/16 at 8:11 am to KG6
quote:
I'd prefer my kid go to daycare and learn the skills required to interact with other people.
This
We had an in-home nanny for my daughters first 2.5 years. We put her in a Montesorri school this fall and her social skills have greatly improved. I wish we would have done it sooner now.
Posted on 1/22/16 at 8:12 am to KG6
quote:
send their kid somewhere a few days a week to get interaction, or they are fricking wierd.
yes, kids can play with other kids, you don't have to pay for it, for it to happen
Posted on 1/22/16 at 8:12 am to Kujo
We are close to that break even point with my wife's job. She left a career in the medical field to work in the school system and makes about half of what she used to. By the time she pays for a sitter for our youngest, her fuel, clothes etc for the kids and some groceries there isn't a whole lot left off of her income. I pay everything basically and find that her working is a whole lot of bullshite for very minimal reward. I told her that if she changes career again her pay needs to go back in the other direction 
Posted on 1/22/16 at 8:15 am to KG6
quote:
I'd prefer my kid go to daycare and learn the skills required to interact with other people.
I think that's a good idea at 2 but a 6 month old isn't getting anything out of daycare
Posted on 1/22/16 at 8:15 am to KG6
My wife makes 60k a yr on 32 hrs. a week. As the oil industry stands, she might have to take on PRN work which can net her 75k pretty easily. Do I feel like a worthless POS, yes I do but she's going to have to help. We're got a substantial amount of cash stashed away with minimal debt, but of we can Stay the course of stock piling cash and paying our bills then why not. Things will go back up and when they do it'll go back to normal. I'm just thankful that we have the opportunity as most of my coworkers don't.
Posted on 1/22/16 at 8:15 am to Salmon
quote:
We put her in a Montesorri school this fall and her social skills have greatly improved. I wish we would have done it sooner now.
what do you remember from school k-5? Go ahead, what developmental skills can you attribute solely due to your elementary experience?
Posted on 1/22/16 at 8:17 am to Kujo
quote:
(meaning: "because we both work we NEED a bigger house,TV, Prada purse, and yeti cooler")
With this mentality you could have 1, 2, or 17 streams of income and you'd still be a broke dumbass.
Posted on 1/22/16 at 8:17 am to Janky
quote:
Cons- 1. we can't just leave on a Thursday and go out of town whenever we want anymore.
That was huge for me because my job is so flexible. I just told her we'd leave her if she couldn't get off
Posted on 1/22/16 at 8:18 am to Kujo
My wife and i make about the same amount of money. Neither of us make a huge amount, but together we are in the 28% bracket. we have no kids. It's awesome.
Posted on 1/22/16 at 8:18 am to yellowfin
quote:
I think that's a good idea at 2 but a 6 month
as you probably are aware studies have proved that it's detrimental to leave it before 4-6 months old. But does that mean that it must be 100% awesome to between 6 months and 4y/o?
Posted on 1/22/16 at 8:18 am to Janky
Janky, we're in the same boat. Th advantages of being a 1099 are awesome BUT do you ever consider throwing in the towel and just going to work for the man? I do from time to time
I do from time to time Posted on 1/22/16 at 8:19 am to Kujo
quote:
what do you remember from school k-5?
playing with friends quote:
what developmental skills can you attribute solely due to your elementary experience?
playing with friends, structure, etc
obviously all this can be accomplished at home as well
its just a personal choice
homeschool, public school, private school...none of this really matters as long as the parents are there for the kids and the kids have a loving and structured household
people can argue about which is best all they want, but in the end, it just comes down to parenting and the environment in which the kid is raised
Posted on 1/22/16 at 8:19 am to Kujo
quote:
what do you remember from school k-5? Go ahead, what developmental skills can you attribute solely due to your elementary experience?
Not much, you know, interacting with people. That's kindof a biggie, tho.
Posted on 1/22/16 at 8:21 am to poochie
quote:
With this mentality you could have 1, 2, or 17 streams of income and you'd still be a broke dumbass.
so why do common folk have such things? Greed/want over necessity. This "mentality" manifests itself in the dual income "mo money, mo money" parent/child relationship
Posted on 1/22/16 at 8:21 am to 13SaintTiger
quote:So you eat canned beans and raman and live in the ghetto where you maybe murdered? Living on 50k combined aint fun
$50-$75k
Posted on 1/22/16 at 8:23 am to slackster
quote:
definitely some give and take
Agreed, but the pros far out weigh the cons in our situation.
Kids get sick more, house is a little more unkempt, kids are not with a parent most of the time, etc. Sure, all those things are not fun, but pale in comparison to buying a good home, affording private school if we'd like, vacations, less worry about finances and investing for the future / retirement.
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