Current Events > $1700 a month for 3 days of daycare per week.

(+) Yeah! (+)

Almost as much as my house mortgage. And likely more than what some of you pay for rent/your home. My lucky ass had to have twin boys.

And I thought my college tuition was bad. To put this in perspective...I could theoretically buy a summer home...or an entry level Ferrari/nice Porsche for the same monthly cost. I'm sick.
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Well that fucking sucks
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Yep. Daycare costs are no joke
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The joy of parenthood.
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that's how it works
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That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

my wife and i were talking about this the other day, it's a concept i am really struggling with
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Romulox28 posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

my wife and i were talking about this the other day, it's a concept i am really struggling with

Mainly depends how much you and your wife make right
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t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

This was a last resort. We have no other alternative. Neither of us can stay home. I need to work to keep my family on our insurance plan. My wife needs to work because otherwise she'll go insane caring for them everyday. They're a nightmare most days. And she already reworked her schedule so she had Mondays off. My mom is already jeopardizing her job by "working from home" on Fridays.

And we both make good money, but yet half of it is being thrown away on this.
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Just make your wife a stay at home or eave them with a relative but obviously pay them as well.
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Christ. My mortgage is only half of that.
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emblem boy posted...

Romulox28 posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

my wife and i were talking about this the other day, it's a concept i am really struggling with

Mainly depends how much you and your wife make right

where i live, it's not really feasible to live off one income so daycare sounds likely
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JustMyOpinion posted...

3 days is that much? What the heck? I think it's closer to 5 days is $1500 a month and I live just outside NYC. Where do you live.

NJ. AND we're getting a discount because the daycare is owned by a family friend. Normally it would be $2200 a month! #KillMe

Now keep in mind, my boys are only 6 months old. And the younger they are, the more expensive it is.
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If they're only 6 months old should your wife not still be on mat leave? I don't know how it works in America, but in Canada you get a 12 month, or 18 month Mat leave option. (18 month is reduced pay obviously, but it works out to getting a little bit more). My wife is getting ~70% of her usual take home pay on the 18 month, though we got really lucky with ours, I believe it's usually 50% with a max of ~$1000 every 2 weeks.

JustMyOpinion posted...

What? I live in NJ. Is this anywhere near Bergen County?

I'm in Mercer. I live in East Windsor.
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LMFAO, hope that last pump was worth it lol

Imagine having kids, Jesus Christ lmao

Thaddeus_J_Pibb posted...

LMFAO, hope that last pump was worth it lol

Imagine having kids, Jesus Christ lmao

Imagine your parents not having kids. Thaddeus_J_Pibb wouldn't exist and we'd all be better for it.

t_paynes_ghost posted...

If they're only 6 months old should your wife not still be on mat leave? I don't know how it works in America, but in Canada you get a 12 month, or 18 month Mat leave option. (18 month is reduced pay obviously, but it works out to getting a little bit more). My wife is getting ~70% of her usual take home pay on the 18 month, though we got really lucky with ours, I believe it's usually 50% with a max of ~$1000 every 2 weeks.

you only get 3 months of paternity leave. Then there's something called FMLA but she would only be eligible for up to half her regular salary. And that only lasts 3 months as well. Count your blessings bro
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Romulox28 posted...

emblem boy posted...

Romulox28 posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

my wife and i were talking about this the other day, it's a concept i am really struggling with

Mainly depends how much you and your wife make right

where i live, it's not really feasible to live off one income so daycare sounds likely

Ya, mainly what I mean. If the wife makes significantly less than daycare cost, being a stay at home mom is probably the way to go, financially, at least
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My brother just sends my nephew over to my Moms, even on their day off
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Believe me I count them often. Very happy to be living in Canada even if the economy is very tough right now.

It took a lot of effort and 9 months of gradual shifts, but we've got our budget to a place now where we can survive on my income alone barely. And luckily my wife has a lot of good options on returning to work if she wants to. I'm pretty sure she will, she's gonna want a social life outside of baby sounds and high pitched encouragements.

Thaddeus_J_Pibb posted...

LMFAO, hope that last pump was worth it lol

Imagine having kids, Jesus Christ lmao

I don't regret having my boys. I love them. Can't say my life is any better for it...yet. But I don't regret anything. It's just amazing how daycare's have parents by the balls.
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EvalAngell posted...

JustMyOpinion posted...

What? I live in NJ. Is this anywhere near Bergen County?

I'm in Mercer. I live in East Windsor.

oh god, so this is what i have to look forward to
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t_paynes_ghost posted...

Thaddeus_J_Pibb posted...

LMFAO, hope that last pump was worth it lol

Imagine having kids, Jesus Christ lmao

Imagine your parents not having kids. Thaddeus_J_Pibb wouldn't exist and we'd all be better for it.

Imagine being such a dimwit you can't think of something better than a grade school insult.

Thanks for giving me more birth control bro. I needed that with a baby fever fianc.
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Thaddeus_J_Pibb posted...

t_paynes_ghost posted...

Thaddeus_J_Pibb posted...

LMFAO, hope that last pump was worth it lol

Imagine having kids, Jesus Christ lmao

Imagine your parents not having kids. Thaddeus_J_Pibb wouldn't exist and we'd all be better for it.

Imagine being such a dimwit you can't think of something better than a grade school insult.

Your self awareness is poor.

I actually wish daycare was considered a medical expense and insurance picked up the bill or at least subsidized it. While I realize that it is a luxury in a sense, it's getting to the point that something will have to change. Whether it's taking out loans or whatever.
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ITT: Mat/pat leave in America sucks.

Also ITT: Child care in America is a racket.

Jesus I don't even know what to say man.
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EvalAngell posted...

I actually wish daycare was considered a medical expense and insurance picked up the bill or at least subsidized it. While I realize that it is a luxury in a sense, it's getting to the point that something will have to change. Whether it's taking out loans or whatever.

Are you fucking insane, a narcissist, or just completely fucking selfish?
People can't get their cancer covered by providers, and you want them to pay for someone to watch your brood because it's too expensive and inconvenient for you.

Are you for fucking real? Let me guess, he's not your president right?

Tupacrulez posted...

ITT: Mat/pat leave in America sucks.

Also ITT: Child care in America is a racket.

Jesus I don't even know what to say man.

Also ITT: Birth control, family planning and personal responsibility are radical foreign concepts.

Cant you find some broke high school girl who will baby sit for three days a week?

Its less reliable but they probably ask a lot less money >_>
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emblem boy posted...

Ya, mainly what I mean. If the wife makes significantly less than daycare cost, being a stay at home mom is probably the way to go, financially, at least

although you should also consider the long-term effects of whichever spouse stays home. it might mean more money right now, but in the future when you go back to work you'll be behind
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Thaddeus_J_Pibb posted...

EvalAngell posted...

I actually wish daycare was considered a medical expense and insurance picked up the bill or at least subsidized it. While I realize that it is a luxury in a sense, it's getting to the point that something will have to change. Whether it's taking out loans or whatever.

Are you fucking insane, a narcissist, or just completely fucking selfish?
People can't get their cancer covered by providers, and you want them to pay for someone to watch your brood because it's too expensive and inconvenient for you.

Are you for fucking real? Let me guess, he's not your president right?

yikes, dude. I hate children, but let's not conflate two separate issues or ignore that enabling both parents to easily work is a net good for society.

My total expenses per month are $2700.

EvalAngell posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

This was a last resort. We have no other alternative. Neither of us can stay home. I need to work to keep my family on our insurance plan. My wife needs to work because otherwise she'll go insane caring for them everyday. They're a nightmare most days. And she already reworked her schedule so she had Mondays off. My mom is already jeopardizing her job by "working from home" on Fridays.

And we both make good money, but yet half of it is being thrown away on this.

Why did you have kids? Asking seriously, because it sounds like neither you nor she was really up for it.
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My kids are both in daycare and we pay roughly $1600 a month, but that's full time. I am indeed being bent over with no lube but have no choice, if one of us quit we would take a big income hit even without the enormous bill.
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AlisLandale posted...

Cant you find some broke high school girl who will baby sit for three days a week?

Its less reliable but they probably ask a lot less money >_>

High school girls are probably in school during the day.

s0nicfan posted...

EvalAngell posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

This was a last resort. We have no other alternative. Neither of us can stay home. I need to work to keep my family on our insurance plan. My wife needs to work because otherwise she'll go insane caring for them everyday. They're a nightmare most days. And she already reworked her schedule so she had Mondays off. My mom is already jeopardizing her job by "working from home" on Fridays.

And we both make good money, but yet half of it is being thrown away on this.

Why did you have kids? Asking seriously, because it sounds like neither you nor she was really up for it.

There's a pretty big divide between the desire for children and the reality that is caring for them. Combined with the fact that this burden largely falls on women, I can understand why the wife is going insane after six months. Imagine you had to be wholly responsible for something that destroyed your body on its way out and that you have minimal social interaction with people your own age. No one talks about that, so people go in blind.

s0nicfan posted...

EvalAngell posted...

t_paynes_ghost posted...

That's why my waifu is a stay at home mom, she may start working evenings/weekends when her mat leave ends, but no way are we paying for child care. Why have a kid if you're going to have other people raise them?

This was a last resort. We have no other alternative. Neither of us can stay home. I need to work to keep my family on our insurance plan. My wife needs to work because otherwise she'll go insane caring for them everyday. They're a nightmare most days. And she already reworked her schedule so she had Mondays off. My mom is already jeopardizing her job by "working from home" on Fridays.

And we both make good money, but yet half of it is being thrown away on this.

Why did you have kids? Asking seriously, because it sounds like neither you nor she was really up for it.

It kinda just happened. And we are both in our early 30s. So if not now then when? We love the boys. But let's be real. Having one is tough...but dealing with TWO crying babies day in and day out will drive even the most patient person insane. My wife is incredibly patient. But even she has started to crack because of the stress.

Has nothing to do with wanting kids or not. You don't know how they'll be til they're here. Right now they're teething too which makes it infinitely worse.
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Thaddeus_J_Pibb posted...

EvalAngell posted...

I actually wish daycare was considered a medical expense and insurance picked up the bill or at least subsidized it. While I realize that it is a luxury in a sense, it's getting to the point that something will have to change. Whether it's taking out loans or whatever.

Are you fucking insane, a narcissist, or just completely fucking selfish?
People can't get their cancer covered by providers, and you want them to pay for someone to watch your brood because it's too expensive and inconvenient for you.

Are you for fucking real? Let me guess, he's not your president right?

I should have added to my initial post. I don't understand why there isn't some form of insurance that helps subsidize the cost though. we have car insurance, health insurance, life insurance. You mean to tell me these dopey insurance companies haven't figured out a way to construct a childcare policy for parents? $20 bucks out of each paycheck gets me $500,000 if I die. Why can't I give that same $20 and only pay a co-pay each month for childcare? What parent or parent-to-be wouldn't enroll in something like this?
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Damn dude

Do you have any family in the area who can watch them? That seems super expensive
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I was being cheeky about the high school girl thing.

Private baby sitters exist. Have you looked for any? >_>
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AlisLandale posted...

I was being cheeky about the high school girl thing.

Private baby sitters exist. Have you looked for any? >_>

They cost just as much. Typically $15 - $20 an hour. We'd need them for 9 hours a day. You do the math. We've explored every option.
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EvalAngell posted...

Thaddeus_J_Pibb posted...

EvalAngell posted...

I actually wish daycare was considered a medical expense and insurance picked up the bill or at least subsidized it. While I realize that it is a luxury in a sense, it's getting to the point that something will have to change. Whether it's taking out loans or whatever.

Are you fucking insane, a narcissist, or just completely fucking selfish?
People can't get their cancer covered by providers, and you want them to pay for someone to watch your brood because it's too expensive and inconvenient for you.

Are you for fucking real? Let me guess, he's not your president right?

I should have added to my initial post. I don't understand why there isn't some form of insurance that helps subsidize the cost though. we have car insurance, health insurance, life insurance. You mean to tell me these dopey insurance companies haven't figured out a way to construct a childcare policy for parents? $20 bucks out of each paycheck gets me $500,000 if I die. Why can't I give that same $20 and only pay a co-pay each month for childcare? What parent or parent-to-be wouldn't enroll in something like this?

Thanks for clarifying, but I don't see how that could possibly work. How would anyone make any money off of that? The point of insurance is ideally you never use it or cost the company less than you're putting in.
What exactly would they be "insuring"? I see what you're saying but logically and mathematically I don't see how it could possibly work without gov subsidies and then we're right back to my initial point: why am I paying for someone else's poor planning?

1700 a month is 20400 a year, or the rough equivalent of a 26000 income before taxes.
Is it worth it?

Yeah I guess there in lies the problem...perhaps the deductions would be more than $20 per paycheck. Likely $150-$200. But the parent(s) would still pay less per month under this policy than on their own. I don't know, it would take a smarter man than me to make it all work.
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Questionmarktarius posted...

1700 a month is 20400 a year, or the rough equivalent of a 26000 income before taxes.
Is it worth it?

I'll let you know in 18 years.
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EvalAngell posted...

AlisLandale posted...

I was being cheeky about the high school girl thing.

Private baby sitters exist. Have you looked for any? >_>

They cost just as much. Typically $15 - $20 an hour. We'd need them for 9 hours a day. You do the math. We've explored every option.

Grandmas exist.