To never work full time. Ever!

[Egghead81]

I work three days a week.
Two primary children, almost secondary.
Child maintenance plus salary plus rental income from a buy to let means very comfortable but not “rolling it in” ie high end holidays but I’ll shop around relentlessly for best deal rather than just book without thinking; nice car but second hand; cash savings that would be sufficient to cover six months but were not talking hundreds of thousands!

I like my job but don’t love it. I do however LOVE my two days off. They feel like a mini holiday every time. I don’t want to lose that! Not even when children are teens and grown up.

Anyone else have absolutely no intention of ever going full time?! Even though with more money would more of everything you already afford or better (rather than actually adding anything if you see what I mean)

Of course, it's your choice. But if you do collect SS either now or in the future, don't expect any sympathy.

I will never ever work ft again, much prefer a better balance in life and mine are teens now

YANBU. I have no DC and zero plans to ever work full-time again.

I do pay into a private pension every month though.

@MoiraNotRuby

That's not what I suggested. But inequality bothers me deeply and I wouldn't want to benefit from someone else renting from me, however I had acquired the house. I'm sorry for your loss... I'd probably sell the property and invest in something more ethical.

You would sell the property and “invest in something more ethical”

Sone pointers please?

My tenants would be sad though - lovely house in fab location that they’ve told me not a chance they could afford to buy otherwise.

But happy to kick em out depending on your “ethical investment” suggestions!

@Jaxhog

Of course, it's your choice. But if you do collect SS either now or in the future, don't expect any sympathy.

SS?

@MoiraNotRuby
I don't see why owning and renting out a home is particularly unethical. If the home is well-maintained, tenants are treated fairly, etc. then an owner of a rental property is providing a valuable service, just like a food market or a garage or a travel company.

My worry would be that when child maintenance stops I wouldn't have an income to cover the shortfall. I'd be keep on making sure I had a comfortable retirement if I was used to your lifestyle too.

What exactly are you looking for by posting this? Such a pointless post.

You do know there are people on here using food banks? Single parents living hand to mouth who receive zero maintenance etc

Modesty, empathy and decent manners are sadly not something that money can buy!

[quote YankeeDad]@MoiraNotRuby
I don't see why owning and renting out a home is particularly unethical. If the home is well-maintained, tenants are treated fairly, etc. then an owner of a rental property is providing a valuable service, just like a food market or a garage or a travel company.[/quote]
It’s not unethical. Daft poster. Assuming everyone wants to buy when there are many many that actively want to rent.

Did I want a mortgage at 24 and tier to one house? Don’t bloody think so. Loved renting.

But these kind of posters don’t look beyond

But these kind of posters don’t look beyond

Disagree, of course renting is needed but there should be far more levies on inheritance & BTLs cause it does create inequality & a disordered housing market where people's future are heavily influenced by whether their parents owned & whether they inherit. That's ridiculous

I would love to work full time and earn more. Because of ill health since I was a young age, I've never been able to have a proper job. I'm lucky to still be in the one I'm currently doing because of shielding and then most recently I've been ill with something else. It makes me so angry because I am not a bad person and I have had to go through so much pain and shit it's unbelievable!!!

I think the issue is that child maintenance will stop when they’re 18 and I wouldn’t have wanted to work 3 days a week for years and suddenly, at the point when 3 days a week would be great from an age and health point of view, have to work full time because I’d capped my earning potential for years for no real reason.

I think your work- life balance sounds great. You can choose to stay part time if that suits you. Enjoy!

However back to your post, it's something I struggle with as in order to boost my career & pension I should increase my hours but I do like some alone time.

After having my children I was stay at home mum for 11 years, got my first part time job as youngest started school and marriage failed. I have remained working part time even after children left home. I managed my finances by having a set budget and even managing to save a little bit.
I met my partner who also worked part time (45 hours over 3 days, HGV driver), we have never been rich but we paid for 4 children’s first cars, bought cheaply and partner did them up. We still manage to have good holidays by camping all over Europe.
For the last 14 years have been able to help look after the grandchildren, it’s having the right balance in your life for YOU.

What will happen when CM stops?

Wonder whether you might explore an alternative career that you did find meaningful and fulfilling?

@sst1234

Are you the poster from yesterday whose ex husband earns over £300k a year?

Hahaha this was my first thought too

@MoiraNotRuby

I don't know if you mean to but you sound very smug. I don't think I could morally be a landlord and profit from my tenants. So I will carry on working full time - but enjoy your mini holiday....

I don’t know if you mean to but you sound very judgemental. My dm bought a property to rent out with her inheritance from my df. She still worked full time but it was an investment to provide security should the worst happen. She still rents the property now and I am glad that she is secure in her old age, because she certainly wasn’t rolling in it after raising three kids by herself.

Op, if you are happy and it works for you then good luck to you.

I work full time (37 hours) over 4 days, it's the right balance for me, full salary, same career progression, extra day off a week.
@Herbie0987 I'm not sure 45 hours a week is part time!

Up to you but if CM ended suddenly I'd want to have my own income. But that's me not wanting to rely on someone else. You also need to think uni fees if you wanted to help with those and also get saving for your nursing home. You don't want to get to retirement age and still have to work full time if you could have done the hard graft earlier.

Don’t then 🤷‍♀️

You do sound smug, and unambiguous - but each to their own

Not sure what you hope to achieve with the thread?

*unambitious

@Herbie0987
met my partner who also worked part time (45 hours over 3 days, HGV driver)

I thought that anything over 40hrs/week is full time no matter how many days you work? I thought your partners schedule of 45hrs/3 day’s was called compressed full time work?