住家父母与双重收入家庭

Here's an example: if you make $250,000 and live in Bergen County, NJ, your tax rate is ~36% and your post-tax income is ~$160,000. If your spouse makes $150,000, your combined tax rate is now ~39% and your post-tax income is now ~$245,000. That means your spouse is actually making $85,000 after taxes. But you also have to factor in the extra childcare expenses which would be $0 if your spouse were staying at home. According to some quick research, the monthly cost of daycare in Bergen County is ~$1,300 per child, times twelve months equals $15,000 per year. So now your spouse's $150,000 gross income really nets out to $70,000 a year. And if you have two kids in daycare, you can knock that down to $55,000 a year.

是的，但是最后，除非她想做的事情，否则有时更多是关于激情和感觉有用/带来积极价值。't认为她会快乐..快乐的妻子幸福的生活吗？

However, you also have to consider that the second income is taxed at a much higher marginal rate

That's why you shouldn't get married.

I've been the stay at home parent. No question it wasn't a money consideration it was what was best for my child. I have no regrets even though financially it was tough and I took a career and income hit. It's hard to know what will be best for your family until you are in the situation as I 100% planned to go right back to work but once I became a parent my priorities changed for what was best for us. So my advice is to keep an open mind but also discuss the possibilities as it was a fight between my partner and I who was going to stay home as neither one of us wanted to really halt our career. In the end- as a mother- it was me who stayed home/worked part time until my child was in school full time.

Think about this quite a bit - as of right now, definitely prefer dual income. For context, we're about 4 years out from having kids. She makes good money and will continue to increase her earnings - the lifestyle we can afford to live is vastly different based on each of our current incomes. We're talking a much nicer house, vacations, significantly more savings, etc.... roughly make $220K on a combined basis right now (with high potential to get it to ~$270k within the next 2-3 years here, tops) in a LCOL area. She never works more than 40 hours and I'm mostly 40 hours +/- depending on deal flow (wouldn't really get past 50 except maybe circumstances like last year when the debt markets were going nuts).

The thing that may change my/our minds is if I end up earning what we currently make on a combined basis by myself, which is definitely possible but unlikely within the next 4 years here. We both have very flexible jobs which makes it considerably easier... if I was working in a demanding job (such as IB), it would be a no brainer that she'd need to stay at home until the kids are in kindergarten or so.

I'm from da suburbs with a stay at home mom. Great decision - my dad worked a lot of hours growing up and it shows now as my mom is out of touch with hard work, but she did a good job of teaching me as a kid. My reading and math skills were way ahead of my age group growing up.

我从许多人那里聚集在一起，父母待在家里比从事企业工作要容易得多，但这并不意味着在养育家庭方面并不那么重要

我的妻子工作类似的工作小时恨她me, for like a quarter of my comp. That, plus the cost of childcare made it a pretty easy decision to have her stay home.

It has not been easy and I struggled with the mental flip of "no more fucking around, I'm the only way my family eats."

But it has worked and been a better move for us.

这就像每个人上面所说的几乎是矩阵。

on dual income:

- its great to bring in more income, but then you have to weigh that with home much quality time you are spending with your kids.

- 上面大约有​​第二个收入的数学效果，但有些人也在研究经验；意思是，即使一位父母也会在孩子育儿时休息，如果他们只是辞职，他们仍然有〜5年的经验。

- 例如，其他费用也加起来，例如，如果两者都可以使用，那么在家购物或做饭的时间更少。另外，如果您在纸上赚了25万美元，人们认为他们可以花更多的钱，这意味着节省更少。

on lifestyle:

- 每个人都想要生活方式蔓延。我会说，不要对别人判断自己，主要是因为我总是说：“他们会告诉你他们拥有的东西，而不是他们如何得到它”（继承，父母为此付出了）。我有已婚的家庭成员，工作两个工作，两个孩子，基本上是贫穷的房子，所以他们需要依靠家庭成员免费获得托儿服务。问题是，现在的东西更昂贵，但也有更多。在50年代，您每天都没有真正进行国际旅行或SBUX。

on raising kids:

- 只需弄清楚什么对您来说很重要。我妈妈待在家里，然后回到劳动力中。就像他们说的那样，孩子只有那个年龄。

- Also agree to consider what is best for the child.

Personally, I think we would have a better country if more people stayed at home with their kids, just because I feel most problems in this country (United States) are resulting of bad parenting. Then we try to make laws thataimto fix bad parenting, but laws can't fix that.