Anna888 - I agree with Eleusis on this. I know my ds would prefer me at home and I also know that money etc means very little to small children.
I do also however know how unhappy I would be staying home and accepting that we would continue to live in our very small flat for the forseeable future. My unhappiness would be very bad for my son, I already have evidence of that in the way his behaviour changes for the worse when I am visibly unhappy or under stress.
In addition to this I take the long term view that unless I ensure that I can take care of myself, particularly when older, my son may end up with a great deal of financial problems and/or guilt about my needs when he should be focussing on his own life. If I give up work and have no real income to take care of myself when older that may also have a massive effect on my son's life.
I cannot really know how my ds will see my decision when he is older but I sincerely hope he will see that I took the long term view and tried to do the best I could for him and for all of us in the situation I had at the time.
I regularly acknowledge with him that I know he doesn't want to go to nursery but that mummy and daddy have to work to pay for our home and food (not strictly true we could afford our current mortgage on one salary but certainly not a house with a small garden which is our current modest aim. I also say that sometimes mummy doesn't like to go to work (also true) but that at the moment she has to.
I tell him I've missed him loads at the end of a long day and that I thought about him a lot when at work etc. I also do my best to ensure he is getting very good care at the nursery albeit not necessarily the care he would prefer currently.
In doing all these things I do the best I can for my son and myself. I would not say that financially I HAVE to work as we could manage on my dh's salary if we had to but I choose to work anyway to improve the quality of our lives.
In the end I ask myself at the end of my life do I want to look back and say
'Well I spent the early years of ds's life with him so that's OK even though the financial implications mean that I am currently old, ill and unable to financially take care of myself and thus am a burden on ds'
or do I want to say
'well I did the best I could to make sure ds had the best opportunites I could give him even if it meant that sometimes we weren't always together'
On balance I prefer the latter though I can see how others might prefer the former.
Also there are many lucky people who don't have to choose between the two.