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Clever Dude


  • I don’t know if this pays well or if it would be annoying to do since she would have to arrange childcare for the day, but maybe substitute teaching as an additional income option would work.

  • You know the best way to see if they could survive on one income is to try it for the remainder of her school year. Save her entire salary, then if you can make it on what you earn – great. Plus then you will have built up a nice emergency fund by saving her salary.

  • I totally agree with #3! She could easily match her salary with tutoring. Probably couldn’t replace the value of any benefits, but one has to assume that’s covered by the husband. Tutors in Science are a priceless commodity, especially one with experience in the local school district. I’m surprised they hadn’t thought of this!
    I also second other commentors: look at the cost of childcare, work related expenses, vs being a SAHM.
    If they are dependent on her benefits its a completely different ballgame.

  • Like you metioned, I think it’s really hard to determine without money figures but if I was in their shoes, I would want to make sure that I felt secure with one income. If I’m going to worry about it AT ALL, I wouldn’t do it.

    The thought of just worrying about money is bothersome. On the other hand, I really like the idea of doing your own thing like tutoring. Im a true believer you can turn any hobby/profession into a very profitable side business. It just takes dedication and motivation!

  • Tutoring for a former teacher is the way to go especially if your local school district has standardized tests that a student has to take. I would not recommend subbing as it really pays a fraction of what a full time teacher would get. Plus, you’d lose the whole day and you may not even make up enough in child care costs. Tutoring offers the most flexibility and the most pay hands down. She may even want to look for some opportunities such as grading tests or essays for after school study programs. And her plus is that she is a science teacher. I think her services would be high in demand.

  • We did this and financially it obviously means cutting back quite a bit. I think the question you have to ask is if it’s worth it for both spouses?

    If the non-working spouse isn’t going to use their time wisely then it might not be a worthwhile move.


  • We made this move about ten years ago before our first child was born. It was a tough lesson for us, because we did not adequately prepare for the drop in income. What you have laid out is a thoughtful approach, and one that should lead to an informed decision. Wish I had read something like this 10 years ago!

  • I’m going to be quitting my f/t day job when I have our second child, and take a night and weekend job at a retail chain such as Target. To me, this seems like the best option because paying for daycare for a second child is going to seriously strain our budget. Plus, I think it’s going to be better for the kids to get to stay home with Mom instead of always having to rush out the door to daycare. Although it’ll seem like a lot to do being a SAHM during the day and then off to work in the evening while husband watches the kids, it’s the best solution. Plus, it’s not forever and it will be a good opportunity for me to explore other job options. I think a lot of it depends on how much you love your job too.

  • My wife and I are somewhere near this point as well. We’re looking at ways that we could possibly survive on one income, but we’re struggling with the fact that my wife’s income would be the only one that we could afford to lose right now. It doesn’t offer us the flexibility that we’re looking for right now, but we’re planning on going through this exercise a little more to see what our options are.

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