I have not read the last bit of the thread attentively so please bear with me. DH and I met in our 30s, married at 36, and sort of assumed we wouldn't have any kids. He had a baby business, and I was a freelance and only got paid when I had a project. At 42, I had a baby twinge and was pregnant a week later. We had just bought our house, that we still live in (but will sell in the next two/three years to downsize and relocate closer to family and friends). Very happily all went well, DC was great, healthy, and I took six months off work (on three months SMP of £97 per wk). Then I went back to work, planning on three days a week.
It turned out that my work only existed if I had total flexibility to drop everything and travel worldwide at 24 hours notice, so we employed a nanny with her own child who came to work with her, and DH looked after baby evenings and nights.
I could not claim back ANY of my childcare costs -- although the cost of a secretary would have been allowable against my earnings. Without wanting to boast, I earned well. But because of that I ended up working much less, to the point that when I worked the better part of five days a week (and long unsocial hours) I worked 33% of them to pay the nanny, and 33% to pay HMRC and I ended up with 34%. After seven or so years of this, at 50, DH's business was established, so I quit and became the SAHP and the oil-in-the-machine that kept the machine on the road. So now I manage two tiny pension funds and desperately miss the intellectual/business thrill that work once gave me.
Mumsnet has saved my sanity, because it is the only place where I find people like me, and a lot of contradictory voices to joust with too. Don't get me wrong. I adore my one DC, and wouldn't change any of my choices. But I am not certain how I would advise my younger self to proceed. I think I would do the same again and life has been kind. But over the 15 years I have hung out here, there have been periods of serious ill-health for both of us (heart/cancer) and all the issues of ageing/dying parents.
So, thank you MNetters. For the handbag trivia, and the serious conversations, and all the bits in between. Take a bow, everyone.