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I'd rather avoid TV watching, in general. I rarely watch it, unless it is something instructional, or is a movie I particularly want to see. I really don't know of anyone who think that having a TV babysit your child is actually good for the child, in any amount of time. I still laugh about how people thought that Baby Einstein was a godsend.
This has turned into a SAHM vs working mom thread. That is not what the OP asked. The OP asked how people decided to go back to work, and how they manage. anybody have a real answer to the question? Only people who have been a stay at home parent, then went back to work, please.
I'd rather avoid TV watching, in general. I rarely watch it, unless it is something instructional, or is a movie I particularly want to see. I really don't know of anyone who think that having a TV babysit your child is actually good for the child, in any amount of time. I still laugh about how people thought that Baby Einstein was a godsend.
Nobody mentioned having tv babysit their children. TV is just one entertainment option. It is not the evil that many would have you believe. Sitting the kids in front of the tv for hours at a stretch is not a good parenting move, but tv is part of the modern world and there is no problem with parents letting their kids watch some tv.
As for SAHM's saving for retirement. I am a SAHM with an IRA that I contribute the max to annually. Does it grow as fast as my husband's 401K..no, but its sizeable.
As for SAHM's saving for retirement. I am a SAHM with an IRA that I contribute the max to annually. Does it grow as fast as my husband's 401K..no, but its sizeable.
And if it's a Roth, you've already paid the taxes on that money - so what you see is what you get, whereas 401K money is all pretax dollars, yet to be taxed.
This has turned into a SAHM vs working mom thread. That is not what the OP asked. The OP asked how people decided to go back to work, and how they manage. anybody have a real answer to the question? Only people who have been a stay at home parent, then went back to work, please.
Back to the OP. I did go back to work (part time) when my first son turned one. Basically, I stayed home with him during the day and went to my job in the evening. For me, it was a hard juggle and after a few months I decided to put off going back to work for a while. Then my 2nd son came along....
As for SAHM's saving for retirement. I am a SAHM with an IRA that I contribute the max to annually. Does it grow as fast as my husband's 401K..no, but its sizeable.
As much as I agree to this approach, in our case, it was better to try to use my 401k since my employer has matching $.
Quote:
Originally Posted by springfieldva
And if it's a Roth, you've already paid the taxes on that money - so what you see is what you get, whereas 401K money is all pretax dollars, yet to be taxed.
Definitely once IRA contribution is maxed, Roth IRA is a great option to save more.
Quote:
Originally Posted by rkb0305
This has turned into a SAHM vs working mom thread. That is not what the OP asked. The OP asked how people decided to go back to work, and how they manage. anybody have a real answer to the question? Only people who have been a stay at home parent, then went back to work, please.
Thanks.
For now, we're laying out the things that needs to be covered as far as kids needs and supervision. Also looking into the budget and be more diligent about it.
I also started looking for possible job opportunities, and updating my resume.
As much as I agree to this approach, in our case, it was better to try to use my 401k since my employer has matching $.
Yes, we do both, max the 401K and contribute fully to two IRAs.
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