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If your husband works and hits the 50+% bracket, and you are younger and make less... You either have to make 3x what your nanny does before you even keep a dollar- any less and you are paying to work.

This is incredibly disheartening friends have complained about being involuntary housewives bc it would cost them too much to go to work

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The net might be less than the cost of a nanny at first, but kids do not need nannies, generally, when they go to school. If the spouse choosing to stay at home would prefer not to set their career back the 5-8 years (depending on how many kids) then that would still be worth it in the long run, salary wise.

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