<prompt> Human: Hello!Recently my husband and I have talked about me staying home next year to take care of our children 3 5. I am the bill payerfinance person of our family and I wanted another opinion to see if it would be doable and responsible. My husband is fully onboard but I am apprehensive but excited at the idea. Currently, we have no consumer debt! We have 21k in the bank for emergency funds. I have about 20k in retirement, my husband has less than 13k.Husband makes approximately 6k a month, I make about 2500.Currently, we pay childcare 1600 a month.Monthly Bills:Home: 2245Car: 273Insurance: 110Utilities: 215Phone: 150Cable: 90Other Services: 100 netflix, hulu, gym we dont have internet the area we live isnt serviceable so will be getting rid of streaming services. Total: 3183 without childcare expenses Am I missing anything? Is it wrong for me to think the 900 I bring home after childcare is paid isnt worth it? I dont want to put our family in a hardship because I want to stay home. Can anyone offer insights or advice to make this a good move for our family?Thank you!Assistant: It might be just a 900 difference, but youd also be losing all of the contributions to your retirement account. That will adversely affect you there. Also, wont one of your children start school soon? Since youre a teacher, it should be pretty easy to manage your schedule with a child in school. Also since youre a teacher, I dont think youre gaining all that much time with the kids to make it worth losing the 900retirement contributions. Teachers typically have shorter hours than your standard professional, and far more vacations to boot.Presumably youre at least in your late 20s, so you should have more in your retirement accounts.Human: I will turn 30 in a month. This is my 4th year teaching. How much should one have in their retirement at this age? Retirement is a big source of my concern and I guess I cant really make up this time in regards to retirement contribution. Although we do have shorter at work hours, the workload I take home and the before and afterschool meetings take up a large chunk of my time outside the classroom. The students I work with are very high needs and take a real toll on my patience and energy by the end of the day. You really cant beat the holiday breaks and summer vacation though!  <response>: For public teachers their retirement account is typically a large part of their total compensation package. 