To not become a SAHM yet?

[Disco91]

So long story short.... my husband sold his business in the summer and we now have around £130,000 in the bank. We both have good jobs now and are currently saving around £2k a month as we don't have a mortgage or rent to pay (house with the job situation).

We have a toddler at the moment who is in nursery 4 days a week and if I'm honest I'd rather him be at home with me. I want another baby too so we a ttc atm.

However, I just don't feel comfortable quitting the job I've worked hard for and then taking money off my husband each month. I was £15k in debt three years ago from trying to get his business off the ground, which worked but now means I'm a little money conscious. I'm only in my mid to late 20's and everyone else has to work so why would I think it's ok to just not work?

My husband is depairing a little as he says all I've ever said is I want to be a SAHM and now we have the money he doesn't get why I haven't quit yet. He is not money orientated at all so he has no problem in giving me money each month and recognizes I played my part in the business being a success so says I've earned it.

AIBU? Would you work or stay at home if that's what you wanted to do?

Have you thought about working from home? Or starting a little business of your own making things to sell?

I would keep my job. £130,000 in the bank, in the grand scheme of a family and a lifetime is not a lot of padding if it was to really all go tits up. You’re not part of the super rich really. We both have good jobs and at least £150,000 in savings/investments and I surely wouldn’t give up my job and pension.

Also definitely buy an investment property with that money. A tied accommodation is actually quite a vulnerable position to be in. I’ve known several people turfed out quite quickly in similar situations. I know another who are in their 70s and still working themselves to death because they are terrified of being homeless now. They have no investments and nothing to fall back on.