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If you are married to an orthopaedic surgeon (not private practice), how well off do you feel as a family, if you don’t work yourself?

462 replies

Yunall · 19/07/2025 15:21

Just wondering as DP is a surgeon (just made consultant). He doesn’t do private work and I would say we have a nice lifestyle but only because my income tops it up. I’m used to a lot of luxury and had a privileged upbringing (don’t mean to sound like a dick I’m just stating a fact) and I wonder if we had kids if I would actually have to continue working to have a decent lifestyle. Not something I talk much to DP about as he came from a less well off background and understandably I would come across ungrateful!!!

OP posts:
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chaosmaker · 26/07/2025 08:42

Sdpbody · 22/07/2025 18:04

The whole point of becoming an ortho surgeon is to triple your salary by doing private work. Get him to do that and then have children.

Ethics are a thing!

NFItheawkardness · 25/07/2025 22:29

FartyPants9 · 25/07/2025 19:47

It's shameful that she doesn't want to work but wants the same lifestyle she has now on her husband's salary.

It’s really not shameful at all, just practical. What is ‘shame’ to you? Women used to be shamed for wanting to do anything else but stay at home with kids, how quickly we got to the other end of the scale! There is fuck all ‘shaming’ about wanting a nice life while spending time bringing up kids, and if you think there is you need to analyse why you have internalised being a working drone being so morally valuable - it all a bit Animal Farm, but the late stage capitalism version.

BTW, I work 4.5 days a week myself and freelance on the side but took time off with small kids and provided a valuable service to my kids and my family and that is totally acceptable!

FartyPants9 · 25/07/2025 19:47

Allseeingallknowing · 22/07/2025 18:15

Shameful to want to give your family all your time and attention to have a happy life? If OP needed to work to make ends meet and put food on the table but refused, then that is shameful, but she has a decent amount coming in, more then enough for the needs to live a decent family life. Speaking as someone who was poor and had to work to supplement my husband’s salary in order to live a modest life, I’d love to have been in the OP’s position!

It's shameful that she doesn't want to work but wants the same lifestyle she has now on her husband's salary.

Moanranger · 23/07/2025 18:30

@Crushed23 people such as investment bankers & partners in law firms are essentially invested in their businesses and are equivalent to part ownership, eg, equity. And equity is the source of wealth, not their salary. I know medics who have become wealthy, but not through their jobs doing NHS or private work, rather through research collaboration leading to innovation, patents on products, licensed medical software, that sort of thing leads to wealth. There are huge opportunities in medicine/pharmaceutical to get rich. But this is not the same as showing up for work & getting a salary.

Crushed23 · 23/07/2025 16:34

MissyB1 · 23/07/2025 15:31

Crikey you can't compare NHS Consultants to investment bankers and Law firm partners! There aren't any annual bonuses in the NHS!

That’s why I said I can’t speak for surgeons. Although I would be amazed (and slightly appalled) if surgeons in the private sector are not earning £300k+.

Crushed23 · 23/07/2025 16:28

justasking111 · 23/07/2025 14:52

I know surgeons in NHS and private practice. They invest their money back in their homeland. They get family there to run their investments. Good luck HMRC tracking and taxing that.

edit: quoted wrong post.

EmeraldShamrock000 · 23/07/2025 16:15

Ask your parents to pass over some of the cash, they are responsible for your high expectations, let them bankroll the lifestyle you want.

Poppins21 · 23/07/2025 16:10

Crushed23 · 23/07/2025 13:39

This is complete nonsense. Of course highly paid professionals can amass wealth. Once you’re on 300, 400, 500k+ plus, you can save/invest a considerable amount - max out pension, build a stock portfolio, property portfolio etc. I can’t speak for surgeons, but investment bankers and law partners get huge lump sums (bonus, profit share) every year which can be invested. It’s not a coincidence that this subset of professionals typically retire years if not decades before typical people pension age.

They are getting wealthy by investing in assets that generate income.

MissyB1 · 23/07/2025 15:31

Crushed23 · 23/07/2025 13:39

This is complete nonsense. Of course highly paid professionals can amass wealth. Once you’re on 300, 400, 500k+ plus, you can save/invest a considerable amount - max out pension, build a stock portfolio, property portfolio etc. I can’t speak for surgeons, but investment bankers and law partners get huge lump sums (bonus, profit share) every year which can be invested. It’s not a coincidence that this subset of professionals typically retire years if not decades before typical people pension age.

Crikey you can't compare NHS Consultants to investment bankers and Law firm partners! There aren't any annual bonuses in the NHS!

justasking111 · 23/07/2025 14:52

I know surgeons in NHS and private practice. They invest their money back in their homeland. They get family there to run their investments. Good luck HMRC tracking and taxing that.

Crushed23 · 23/07/2025 13:39

Moanranger · 23/07/2025 11:31

I see these posts again & again on MN: “ DH in high paying professional job earns X, but we still struggle, don’t feel rich, etc, etc”
Well guess what, you’re not rich! Wealth does not come from a high salary. For one thing, tax rates after £50k jump hugely & eat into your earnings.
Real wealth comes from owning assets sufficient to earn profits that you can draw on to live. That means either extensive & inherited wealth, (property,shares, business ownership) or successful entrepreneurship on the part of one or both of you - successful IT start up, inventors, etc.
So unless this does or can apply to you, you are in the A class of high status, well-paid professionals but still basically working stiffs.
Medics can become wealthy, but not through their jobs. I know a few who have done this.

This is complete nonsense. Of course highly paid professionals can amass wealth. Once you’re on 300, 400, 500k+ plus, you can save/invest a considerable amount - max out pension, build a stock portfolio, property portfolio etc. I can’t speak for surgeons, but investment bankers and law partners get huge lump sums (bonus, profit share) every year which can be invested. It’s not a coincidence that this subset of professionals typically retire years if not decades before typical people pension age.

Poppins21 · 23/07/2025 13:25

Moanranger · 23/07/2025 11:31

I see these posts again & again on MN: “ DH in high paying professional job earns X, but we still struggle, don’t feel rich, etc, etc”
Well guess what, you’re not rich! Wealth does not come from a high salary. For one thing, tax rates after £50k jump hugely & eat into your earnings.
Real wealth comes from owning assets sufficient to earn profits that you can draw on to live. That means either extensive & inherited wealth, (property,shares, business ownership) or successful entrepreneurship on the part of one or both of you - successful IT start up, inventors, etc.
So unless this does or can apply to you, you are in the A class of high status, well-paid professionals but still basically working stiffs.
Medics can become wealthy, but not through their jobs. I know a few who have done this.

This is spot on - he would need to develop a successful private practice or invent some medical equipment etc if you want real luxury.

SockQueen · 23/07/2025 13:08

Elektra1 · 23/07/2025 08:32

@SockQueeni did not tell the OP she “should” tell her husband anything. I think her perspective is abhorrent. I simply pointed out that since that is her perspective, if she wants him to make more money, that’s what she needs to tell him to do. Probably this will cause him to realise how mismatched their expectations and hopes for how life together will be are.

Apologies, I missed your tone on first reading!

Calamitousness · 23/07/2025 12:13

@Idontpostmuch well re-read why you’ve written. You say avoiding private schools because you’re not stupid. So what, if we use them we are! You say how I choose to support my children and spend money is excessive and they’ll be spoilt. I am disagreeing with you and informing you that my children are actually quite lovely and not spoilt. You cast slurs. Not me. I understand variety in parenting and in spending what you can afford and choose to spend on. I don’t think because mine are more privileged they are better people. Just had less struggle perhaps and have been able to save their own earnings so that they will be able to afford to buy a home/do what they want as they get older.

Boohoo76 · 23/07/2025 12:07

Idontpostmuch · 23/07/2025 11:57

@Calamitousness Hey, calm down. You're missing my point. Of course I didn't think you were commenting on my children's clothing or their less privileged life. You haven't read my post properly, because I consider my children have had a PRIVILEGED life on one high income but with their mother at home. Privileged doesn't have to mean excessive. My post didn't merit such an aggressive response.

You were really rude, calling people stupid for choosing private school. I have one in private school and one in state. The one in state is likely to get higher grades than the one in private (the one in state got a 9 in his first GCSE age 13) but top grades is not why we chose private for the other child.

Idontpostmuch · 23/07/2025 11:57

Calamitousness · 23/07/2025 11:40

Jeez @Idontpostmuch that’s why I said everyone will do it differently. Which is fine. I didn’t say your kids looked like shit in their brand free clothing. Nor that they were unable to enjoy their less privileged life. So don’t be rude about others choices. I was given a car and was hugely appreciative. As is my son. Helping your children to enrich their lives whether it’s through holidays/car/ choice of style is up to each parent. I’m guessing OP would want to have similar since that’s how she worded her post. So keep your rude opinions to how your own children have become and don’t project onto those you don’t know because they did things differently to you.

Edited

@Calamitousness Hey, calm down. You're missing my point. Of course I didn't think you were commenting on my children's clothing or their less privileged life. You haven't read my post properly, because I consider my children have had a PRIVILEGED life on one high income but with their mother at home. Privileged doesn't have to mean excessive. My post didn't merit such an aggressive response.

Tiswa · 23/07/2025 11:56

And private schools really do aid working parents with the hours they offer!

Tiswa · 23/07/2025 11:55

Yunall · 22/07/2025 17:48

We’ve got around 200k saved for fees from inheritance, for those asking.

It’s more the fact that I can buy what I want and don’t have to budget much at the moment but don’t want that to change when and if I am a parent (and don’t want to work when and if I am a parent)

But it will have too - you would be losing a huge chunk of income plus adding another child

I can see with childcare fees etc is there scope for part time and flexibility in your jobs

but you can’t expect to add costs take away income and not have to budget!

Cara707 · 23/07/2025 11:41

I'm sure you'll be fine on 100k as a SAHM🙃. Wow!

Calamitousness · 23/07/2025 11:40

Jeez @Idontpostmuch that’s why I said everyone will do it differently. Which is fine. I didn’t say your kids looked like shit in their brand free clothing. Nor that they were unable to enjoy their less privileged life. So don’t be rude about others choices. I was given a car and was hugely appreciative. As is my son. Helping your children to enrich their lives whether it’s through holidays/car/ choice of style is up to each parent. I’m guessing OP would want to have similar since that’s how she worded her post. So keep your rude opinions to how your own children have become and don’t project onto those you don’t know because they did things differently to you.

GingerBeverage · 23/07/2025 11:36

Can you ask your parents to subsidise you instead? I know a married woman who gets a good chunk from her parents each month, despite working.

Icanttakethisanymore · 23/07/2025 11:34

Yunall · 22/07/2025 17:48

We’ve got around 200k saved for fees from inheritance, for those asking.

It’s more the fact that I can buy what I want and don’t have to budget much at the moment but don’t want that to change when and if I am a parent (and don’t want to work when and if I am a parent)

Well that's a shame but you are never going to be particularly rich married to a consultant in the NHS unless you are bringing in a good wage too.

Given you don't want to work you need to either find a new husband or adjust your expectations.

Moanranger · 23/07/2025 11:31

I see these posts again & again on MN: “ DH in high paying professional job earns X, but we still struggle, don’t feel rich, etc, etc”
Well guess what, you’re not rich! Wealth does not come from a high salary. For one thing, tax rates after £50k jump hugely & eat into your earnings.
Real wealth comes from owning assets sufficient to earn profits that you can draw on to live. That means either extensive & inherited wealth, (property,shares, business ownership) or successful entrepreneurship on the part of one or both of you - successful IT start up, inventors, etc.
So unless this does or can apply to you, you are in the A class of high status, well-paid professionals but still basically working stiffs.
Medics can become wealthy, but not through their jobs. I know a few who have done this.

Idontpostmuch · 23/07/2025 11:19

Calamitousness · 23/07/2025 07:26

@Yunall you are allowed to not want to work if that’s what you and your husband agree. But you need more money coming in because trust me that is nowhere near enough for a comfortable life that you’re describing. It’s probably enough for the early years at home with your first. But children get expensive as they get older. Mine are older, and their needs increase. Their food bill increases, the holidays with school/clubs cost £1000’s per year and you don’t want them to miss out while they have opportunities. Their clothes are expensive, brand name trainers are not cheap. Xmas/birthday gifts similarly go up
hugely in value, then it’s driving lessons, a car, uni fees/accomodation. Help to buy. It keeps
on going and you love and want to help your children always. When you have greater earnings you do what you can to have a nice life for you and your children. There’s no way your family could do that on your husbands salary alone. If you wanted to you could live a life where you budget and are careful but that’s not what you describe. I know there are plenty on here who will say you don’t need to send the kids on all the clubs/school trips. Sure. They’re right too. But it’s lovely for them and if you live in a wealthy area their friends will be going and they will
miss out. And they can take out uni loans. Again yes but you don’t want to saddle your child with debt if you can help. If you want to be comfortable and never work, think of another way to have more money coming in regularly. Everyone lives different types of lives and have different spending in their family so I agree there are some mums here will think that’s enough but I guarantee it’s not living the way you are describing. If you don’t have children then you possibly could survive ok on your husbands salary assuming you have already bought a home that you want in a nice area and don’t need to upgrade etc. but it’s kids. They cost a lot. Not when young but as older, when teenagers and beyond especially.

@Calamitousness Uhmmm, no, not really! Children don't have to get outrageously expensive as they get older. We limited ours to one overseas school trip each, driving lessons, yes, but car? NEVER. They can buy their own, and one has done just that. Branded clothes? Of course not. One can't see the point. The other spent his summer job earnings on designer gear, then decided it wasn't worth it and reverted to Primark etc. Private schooling? We weren't stupid enough, and our children still got A and A star A level grades. Uni expenses? Yes, no way round it. I count myself privileged to have been a SAHM married to a high earner and to have a nice life - many expensive family holidays and treats without thinking about cost. BUT OP, you have to distinguish between a nice life and a spoilt life, where you turn your children into spoilt brats.

Elektra1 · 23/07/2025 08:32

@SockQueeni did not tell the OP she “should” tell her husband anything. I think her perspective is abhorrent. I simply pointed out that since that is her perspective, if she wants him to make more money, that’s what she needs to tell him to do. Probably this will cause him to realise how mismatched their expectations and hopes for how life together will be are.

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