This is crazy OP. Your thread title isn't actually relevant. Can I take a guess and ask whether your DH has hinted that SAHMs are lazy? Tbh I would move this thread to relationships as you are not happy with the set up in your relationship and your independence and that is the real issue I think.
For context, as soon as we started trying for a baby we set up a joint account. We agreed both salaries would be paid into it. Then we totted stuff up and thought about individual discretionary spending and gave ourselves the same amount. For anything. Clothes, books, haircuts, ipads, whatever. EVERYTHING ELSE (clothes for son, day-trips, eating out for all of us, food, bills, rent) goes on the joint account. Including a private pension for me because I am a freelancer with an irregular income and no single employer. It's a joint investment. Because we're married.
When I was on maternity leave, I put baby groups and half of all the eating in cafes with baby - because I wasn't staying put in a tiny flat all day - on the joint account too.
It's taken a while for it all to even out and I am still the worst at talking about money but what you're talking about is NOT FAIR. Please don't let your husband take your self-esteem. The world is quite literally structured in favour of people who don't have to give up time to grow and raise a very small child (mostly women, right?!)
You sound sad and down about this. Please move this thread to relationships and benefit from some very real support from women who have been there.