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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To work or not to work

149 replies

ForPlumDreamer · 24/06/2024 05:28

I’m on maternity leave until November and having gone through finances with my partner, it’s irrelevant whether I go back to work or stay at home with the kids (3yo & 8mo) and I’m so torn about my decision and I really want to know if I will regret it either way?

Before kids, I was flying high in my career in construction. It’s very male dominated and especially in the site based role I had (have) and I found myself working twice as hard as my male counterparts to prove myself and to be listened to in meetings. Usually I would spend the first 6 months of any project earning my place. I loved it and relished the challenge but it’s hard graft, the work to earn my place felt worthy as I was paving the way for other women but it’s no picnic.

When I returned after my first maternity leave, it was so much harder. People found me even harder to relate to as a mum, I didn’t have the brain space for the additional work I have to do, and I felt like having a year off had been really detrimental to my progress. I considered quitting multiple times and ended up taking sick leave when I was pregnant the second time as the stress was overwhelming.

I know that whatever happens, I can’t stay with my current company as it’s just too old fashioned / unsupportive for me. But I also don’t feel that I could breezily walk into a job of equal standing at a new company that doesn’t know me (and after 2 years spent on maternity leave), because regardless of which company I work for, the industry is very tough and masculine.

I’d also want a flexible / part time position which my current company have granted me (4 days, paid for 4 days, but really I squeeze 5 days work into 4 and then spend my 1 weekday with kids cramming all our family admin in) but that’s not common in my role and I don’t expect I’d find it.

My partner knows all this and questions why I’d want to work at all if on the balance of income / childcare costs it’s not necessary for me to work and I had a hard time when I went back. But I suppose it’s not as simple as that.

I love my children and feel really fortunate to have the opportunity to spend time with them while they’re little, rather than pay someone else to be with them and see they’re gorgeous chubby cheeks every day. My partner works fully from home and between us we have a good balance and it means we can spend a lot of time together as a family.

My worry is that if I leave my company when my maternity ends, I’m essentially leaving my career, so when the kids start school I’ll have to start from scratch again.

It’s not just work, it’s leaving my degree, my career, my salary, my pension, my prospects, ability to bring in good money and everything I worked hard for before having kids.

To summarise, I love the opportunity I’ve been given to be a SAHM but I’m scared to say goodbye to my career, and I don’t know which decision I’d live to regret

OP posts:
CassandraWebb · 24/06/2024 08:53

ForPlumDreamer · 24/06/2024 08:42

We’ve got two small children and renovated our house so money has been needed elsewhere ! And getting married was never that important to either of us, but now I’m wondering if I’ve misunderstood the significance !

The significance is that you have a higher level of protection if you are married and he leaves you or he dies.

It only costs a few hundred to have a registry office wedding

HcbSS · 24/06/2024 08:53

ThePassageOfTime · 24/06/2024 06:56

It is essential to work and preserve your financial security. Your partner could up and leave at any time.,

Do not contemplate taking this huge risk.

This. Please listen to this poster.
and listen to your penultimate paragraph. Do not make a huge error of judgement.

HairyToity · 24/06/2024 08:55

I went back to work but I changed jobs as soon as I could. Now the kids are both school age, the extra money comes in. Also unbeknown to me when my youngest was 5 years old my husband lost his good health through no fault of his. After many stints in hospital and various operations he returned to part time work 20 months later, and now lives with a chronic health condition. I am so grateful we had a second income.

Becauseurworthit · 24/06/2024 08:56

'we just aren’t married yet because of the cost of the wedding'

If you truly love each other, just get married. You can have the big party in time and won't be tied to ridiculous and expensive logistics.

If immediate family would be devastated not to be there, invite them along and to a meal, keep it small, intimate, very private and low key, far more meaningful imo (not the point of the thread, ignore at will).

ForPlumDreamer · 24/06/2024 08:57

MaryShelley1818 · 24/06/2024 08:34

You can get married at a registry office for next to nothing, if he's a high earner then there's no way you can't afford to get married.
I'd be very wary of a man with 2 small children who hasn't married his partner and also encouraging you to give up your financial independence and security. You need to decide what's more important - a flashy expensive wedding, or the actual commitment.

In short you'd be absolutely mad to give up your job in your position. Especially when you've negotiated 4 days a week. I do 4 days with young children (6 and 3) and believe the example I am setting them, especially my daughter is invaluable. Me and DH are equals, in every way. We have amazing long weekend every week, holidays, hobbies, family time is quality time.

I’ll be honest, I hadn’t considered the example I’d be setting my daughter and that is really on my mind about my decision now, thanks

OP posts:
ForPlumDreamer · 24/06/2024 09:03

DeliciousApples · 24/06/2024 08:52

I'd suggest you look at the threads on here about SAHMs and then being left with nothing in a split because everything in his name stays his in the split.

Including the pension that he is building up, that you may be making sacrifices for.

I bet nearly every one of these SAHMs didn't see splits like coming. And some were together decades.

So if I were you I'd get married in the registry office. If you don't want to tell anyone then don't. You just need a couple of witnesses who won't spill the beans.

You then have the security you need. Half the house and his pension will then be yours if the worst happens in five years time or whatever.

With regard to working, you sound like a good conscientious hard working individual. Like me.

Unfortunate you will have the piss taken out of you. Doing five days work across four and being paid for four is not right. You need to stop doing more than the others. You need to stop when you've done four days work. End of.

Move company. Even work three days. Just keep your hand in. Do no more than the men. You don't need to prove anything now. Youve done that.

With regard to money. I always feel that the man works say 40 hours a week and you'll work say 30 hours a week...and on top you'll do a further five hours admin, and ten hours childcare related work. So you're doing 30+5+10= 45 hours. Yet men seem to not realise that and don't step up. Some don't even put in the five hours with the kids you do and expect you to still be doing dishes and stuff while they relax in front of the tv or gaming.

If I were in your shoes I'd do admin on the Friday with a view to me and him halving the spending money as we are both doing equal everything. He doesn't get to keep more as he's the high earner. You stop when you've done the sane hours as him. That's fair. You split everything. That's fair. And that's why you need marriage.

We have a good balance at home, I pick up more of the housework when I’m on maternity leave but we hire a cleaner when I’m working.
He does all the nursery runs, shopping, cooking and dishes and we both take 1 child to bed .. then we both only sit down to watch TV at the end of the day when we’re both done. I definitely wouldn’t consider working if I had to do 100% of the work at home too !

OP posts:
Tracker1234 · 24/06/2024 09:08

Dont be dependent on a man without being married. Just dont....

Simonjt · 24/06/2024 09:14

ForPlumDreamer · 24/06/2024 08:27

Thank you! What actually changes when we get married? I couldn’t see much difference when I googled it but so many people are saying the same!

He’s a high earner so he fully supports us and is building up a pension pot to support both of us, I’m his sole beneficiary on his life insurance and I know it’s very comprehensive.

we just aren’t married yet because of the cost of the wedding

If as a couple you can’t afford the cost of a wedding, how on earth will you afford to lose an entire income?

Shinyandnew1 · 24/06/2024 09:18

And getting married was never that important to either of us, but now I’m wondering if I’ve misunderstood the significance

Well, it suddenly becomes rather more significant if you are wondering about giving up your entire career, salary and pension!

minipie · 24/06/2024 09:18

Agree with the pps saying don’t stop work without being married.

My advice would be

  • go back to work
  • be strict about the 4 days
  • use unpaid parental leave to take extra time off. Use this time to see more of your kids, reduce stress and also to look round at other jobs
  • make sure DP keeps doing his share domestically
  • get married
  • after a year of this approach and looking at other job possibilities - reconsider what you want. Things may look very different by then in either direction
spriots · 24/06/2024 09:19

ForPlumDreamer · 24/06/2024 08:42

We’ve got two small children and renovated our house so money has been needed elsewhere ! And getting married was never that important to either of us, but now I’m wondering if I’ve misunderstood the significance !

The short version is:

If you aren't married, what you would get if you split up is basically what is in your name or half of anything jointly owned. And then all he would have to pay you for child maintenance is the the CSA amount which is 16% of his gross income. Which doesn't come close to the costs of a child in childcare especially

If you are married, it's more complicated but broadly assets accumulated together are considered marital assets and divided up on divorce. So say the house or a pension is entirely in his name right now, it would be shared. And the court thinks more holistically about your contributions so if you have been a SAHM for many years, you would get more than 50:50 of the assets because you would be less able to earn

Each divorce case is different and there are a range of factors but unless your DP has put a lot of assets in your name, you are highly likely to be financially disadvantaged post split as a SAHM if you're not married

I am sure you're thinking "but my fiance is a good guy" and none of us know him so maybe he wouldn't screw you over after a split but the divorce boards are full of women who thought the same so it's a big gamble.

And even if you stay together forever the inheritance tax benefits are worth getting married for.

ShrinkingEveryDay · 24/06/2024 09:23

I’m 7 years off retirement now and my pension is desperately depleted because of all the time I took off work when the kids were small. I’m now working f/t despite being permanently knackered to try and replenish it again. Given my time again I would have done what I could to stay in work 🙁

BTsrule · 24/06/2024 09:27

Other construction companies will be fighting amongst themselves to employ a woman with your skill set to try and improve their gender balance. Go back but look for a new job ASAP.

Bogtrollsdaughter · 24/06/2024 09:28

I wouldn’t bother going back.

I stopped working when I was 7 ish months pregnant thinking I’d go back in a couple of years, it’s 10 years later and I never have!

I love being at home with DS, and everything is so much simpler in day to day life when you don’t have to fit stuff around work.

Its also given us much needed opportunities regarding his education and removed a lot of stress from illness situations.

can’t see myself going back- definitely not for the next 8 years or so.

Edited to add- we are married.

ForPlumDreamer · 24/06/2024 09:41

spriots · 24/06/2024 09:19

The short version is:

If you aren't married, what you would get if you split up is basically what is in your name or half of anything jointly owned. And then all he would have to pay you for child maintenance is the the CSA amount which is 16% of his gross income. Which doesn't come close to the costs of a child in childcare especially

If you are married, it's more complicated but broadly assets accumulated together are considered marital assets and divided up on divorce. So say the house or a pension is entirely in his name right now, it would be shared. And the court thinks more holistically about your contributions so if you have been a SAHM for many years, you would get more than 50:50 of the assets because you would be less able to earn

Each divorce case is different and there are a range of factors but unless your DP has put a lot of assets in your name, you are highly likely to be financially disadvantaged post split as a SAHM if you're not married

I am sure you're thinking "but my fiance is a good guy" and none of us know him so maybe he wouldn't screw you over after a split but the divorce boards are full of women who thought the same so it's a big gamble.

And even if you stay together forever the inheritance tax benefits are worth getting married for.

Edited

This is really helpful, thank you !

OP posts:
jeaux90 · 24/06/2024 09:43

I posted earlier on but OP even if you are married you should continue to work, why? Because even if you are married then divorce and you get a share of the assets you still might not get access to pension fund or have the ability to financially run a house on your own.

Marriage is a protection yes, but it's definitely not the panacea everyone is telling you it is.

You still need to run your own house and expenses if you split, spousal is rare judges prefer a clean split

ForPlumDreamer · 24/06/2024 09:44

Simonjt · 24/06/2024 09:14

If as a couple you can’t afford the cost of a wedding, how on earth will you afford to lose an entire income?

Because full time nursery (£75/day base rate) for 2 children without any government benefits makes it cost neutral.

OP posts:
OnionPond · 24/06/2024 09:44

Bogtrollsdaughter · 24/06/2024 09:28

I wouldn’t bother going back.

I stopped working when I was 7 ish months pregnant thinking I’d go back in a couple of years, it’s 10 years later and I never have!

I love being at home with DS, and everything is so much simpler in day to day life when you don’t have to fit stuff around work.

Its also given us much needed opportunities regarding his education and removed a lot of stress from illness situations.

can’t see myself going back- definitely not for the next 8 years or so.

Edited to add- we are married.

Edited

Incredibly poor, irresponsible advice. Making yourself economically dependent just because you chose to marry someone who didn’t take his fair share of the domestic load (which is why it’s ‘simpler’ for you to be a SAHP) is always a bad idea.

SocoBateVira · 24/06/2024 09:46

You've had some useful advice about marriage.

On the work point, I'd use the time you have now to look around, see what's out there. Speak to a recruitment consultant. Even if you don't want to stay in the industry at all, you're bound to have acquired a lot of transferrable skills and experience. Make it an informed decision.

spiderplantmum · 24/06/2024 09:47

One of the best pieces of advice I got when I was pregnant was "go back to work". Once the kids are grown and you've been out of work for however many years, you may struggle to go back.

But it for sure sounds like you can't go back there, glad you know that!

Missmarple87 · 24/06/2024 09:49

If you can't afford a wedding, you can't afford to give up work.

Never become dependant on a man and never set that example for your children.

spriots · 24/06/2024 09:50

jeaux90 · 24/06/2024 09:43

I posted earlier on but OP even if you are married you should continue to work, why? Because even if you are married then divorce and you get a share of the assets you still might not get access to pension fund or have the ability to financially run a house on your own.

Marriage is a protection yes, but it's definitely not the panacea everyone is telling you it is.

You still need to run your own house and expenses if you split, spousal is rare judges prefer a clean split

I do agree with this too.

Marriage does provide more financial protection than not being married if you are a SAHM.

But the best financial protection of all is always going to be earning your own money.

Peonies12 · 24/06/2024 09:52

Startrekobsessed · 24/06/2024 06:24

Only just spotted they’re a partner instead of husband, if you’re not married then giving up your job will leave you financially very vulnerable, I wouldn’t recommend that under any circumstances

This. Please please do not become a SAHM unless you are married. it blows my mind how many women don’t know that marriage does offer some protection. Doesn’t solve everything if you split but it is better. Just go to registry office. Do you have the option to do your work as a consultant, so you keep your hand in but work less? Even if it is cost neutral now, the childcare will reduce once they start school and you’d hopefully get pay rise / promotion.

CassandraWebb · 24/06/2024 09:53

jeaux90 · 24/06/2024 09:43

I posted earlier on but OP even if you are married you should continue to work, why? Because even if you are married then divorce and you get a share of the assets you still might not get access to pension fund or have the ability to financially run a house on your own.

Marriage is a protection yes, but it's definitely not the panacea everyone is telling you it is.

You still need to run your own house and expenses if you split, spousal is rare judges prefer a clean split

Yes, I agree with this.

And even if he is the most decent perfect husband in the world. He could get ill or be made redundant, so it is so much more secure to have a second income stream

Bogfrog · 24/06/2024 09:53

OnionPond · 24/06/2024 09:44

Incredibly poor, irresponsible advice. Making yourself economically dependent just because you chose to marry someone who didn’t take his fair share of the domestic load (which is why it’s ‘simpler’ for you to be a SAHP) is always a bad idea.

I think that’s unfair. For many sahm it’s been the best decision for us. There’s an element of risk with many things in life and it’s sensible to take precautions (eg be married, think about pension etc) but to live in fear that your husband might leave etc and miss out on being a sahm parent, could be a tragedy for people who suit that life, can afford it etc.