We don't have children but I've never felt that "need or desire" to work fulltime until retirement. I've always wanted to be a stay at home housewife. I know there are some out there, probably not a lot but I know they exist somewhere.
Our first mistake was buying a home that needed 2 salaries. Big big mistake. Second mistake has been horrible money management on MY part, not dh's. Now here we are, I'm 52. I still don't want to work fulltime until retirement. The house will be paid for in 3 years. I would pay more on the house but I need to build up our emergency fund. I would that to be at a minimum 3 month. Yep you got that right. Due to MY mismanagement we don't have at least a 3 month EF. Now I know that most Americans fall into this category but I don't want to be like most Americans. The recession the past few years taught me a HUGE lesson. So many people just like me, not exactly living the high life but no savings. When they lost their job, they quickly ran through whatever savings they had. Then they ran through their 401k's, they applied for food stamps, many lost their homes etc........We all know what happened. I don't have any friends who fit this scenario but I'm sure some of you do. This was a wake up call for me.
I could work part time and survive, I think. But health insurance is the question. To add me to my dh's policy would be quite expensive. I think his premium would go up at least $400.00. I've spoken with him about working part time as there are times that I just hate where I am. He tells me I can but his tone of voice doesn't exactly sound so positive. I think he is telling me what I want to hear. In all reality we could make it if I worked part time but that old health insurance thing is like a bad penny, it just keeps coming back. I couldn't qualify for a private policy, at least I don't think so. I had major foot surgery in 2009 and back surgery in 2013. I don't want to sign up for any of the new "affordable" plans via Obamacare.
So I'm plugging along, working full time. I don't hate my job at all but I don't feel or think it's my calling. I don't look forward to going. I would love to feel appreciated. It does provide a good salary. One in which I am finally on a savings drive to build that EF. It does provide good benefits. Health insurance, retirement accounts such 401k's or money market accounts. They match a certain percentage of what we put in. It is a good company to work for. I can not complain about my employer at all. I just want to be at home. I know that sounds ridiculous but it's how I feel.
When I was out with my back surgery, someone commented on how good I looked. I did look good. You know why? I wasn't stressed. Sure my back hurt from the surgery and recovery but I wasn't stressed and that reflected in how I looked. I mean people were surprised at how good I looked.
Can anyone out there relate?