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What do you think... should I ask?  

post #1 of 29
Thread Starter 
I really wasn't sure where to post this, but I assumed here was as good a place as any. I assure you, it has to do with finances if you just stick it out and keep reading!

As you can see, this is my second post here. I just registered today, after lurking for a while. I finally decided to join mostly to ask what I'm about to ask in this post (for starters, anyway). I don't have too many people to talk to about it in real life and I wanted an opinion of a larger group.

I'm a young (23 year old) stay at home mom to my 2.5 year old son. My DH and I have been married for two years now, we got married while I was pregnant. DH is in school full time and also working part time. He has excellent job prospects for when he is done his study, but that won't be for a couple of years. While he makes a little money on the side to support himself, he is not supporting me or our son. The reason I am able to be a full time SAHM is because I am incredibly blessed to have a family who is very wealthy and able to support me. I'm not trying to brag here, but I just want you to know the facts, but my parents are multi-millionaires. This is relevant, I swear

I have two siblings, and my parents are putting both of them through university completely on their dime. I chose not to go that route because I became pregnant and was in love and I knew I'd be happier doing this. At first, they weren't too keen on it as they really thought I'd be happier if I got an education and weren't too keen on me getting married so young and so quickly. They thought maybe getting pregnant pressured me into it. But we've been together four years now, married for two, and we're still happy and we put a lot of work into our relationship.

At first, when they offered to help us out financially, they said they would only do it until I either got a job or went to school, and they said they would cut me off if I got pregnant again. That was before sky was born, and things have changed a LOT since then. For one thing, now they believe that my husband and I made the right choice, and they also see that being a sahm is what makes me happiest and are no longer worried about me working down the road.

About a year and a half ago, they told me they would support us until my husband was done his education and could support us. I was very happy about that, because my son is the most important thing in the world to me and I love being a sahm with him more than anything in the world. We are also very very insistent on homeschooling... I was homeschooled up until high school myself and it was an incredible experience for me, and I want to give that to my son. So before my parents agreed to this, I thought maybe I might end up having to put my son in school so I could work.

Here's what I'm asking your opinion on: My husband and I want another baby. Originally, we said we'd have to wait until he was done his education to have another because my family said they would cut me off if I became pregnant. As I said before, though, things have changed a lot since they said that three years ago... for one thing, back then they thought I'd be going back to work. Also, we weren't sure if DH would get into his master's program, but his grades are good enough now that next year he will be able to go, meaning we'd have to wait longer than anticipated (my parents know this and are fine with it). So I've been contemplating back and forth in my head for MONTHS about whether I should ask them. It would be perfect timing for us to get pregnant this summer, so I'd have to ask soon... I have two major thoughts going through my head about it:

Thought #1: is that I feel sort of ridiculous asking my parents if I'm "allowed" to get pregnant. I tell myself that just because they are supporting my financially, I am an adult and should be in charge of my fertility... but I definitely would NOT get pregnant knowingly without discussing it with them, because of what they said three years ago. I want to go into it knowing what the result will be and I would be devastated if they did cut me off and my plans became spoiled. I'd MUCH rather not have a baby, and be able to stay at home with DS and homeschool him than have another baby and end up having to put both of them in daycare and school.

Also, it feels sort of stupid that both DH and I want a baby as soon as possible, and we're waiting until he's done school and then want to get pregnant right away... when right now, I'm already at home with DS, and I want to homeschool, so I'm not going anywhere. We'd rather have them close together for that. Also, we've saved EVERYTHING from DS... partly at first because I was paranoid about getting pregnant again and having to buy everything over again from my own money. So we have all the clothes, shoes, toys, baby chairs, slings, hats, winter stuff, monitors, cloth diapers, diaper covers, blankets, EVERYTHING. what's more, is that I am opposed to the idea of "genderizing" every little thing... so even if we ended up having a girl, about 2/3 of our clothes would be suitable to either gender, and the other third could easily be sold and swapped for girl things. I know there are other little expenses, but since I'm breastfeeding, the only thing we should realistically have to pay for is laundry until he/she would start solids.

Also, DH and I are both canadian. Right now we're in florida, but he wants to do his masters back home in BC (he's already been accepted) so we'll be moving this summer. That means health care will be covered, and also, the gov't pays out a small fund each month for children under 6. We are into simple living, DH and I. We live in small homes that are not near as nice as where my siblings are living for their studies. So this part of me says it would be fair to ask, because my siblings are off living their dreams doing their studies, and this is my dream, and it's not like I'm asking them to do anything extra. I mentioned that my parents are multi-millionaires because I wanted you to get the idea that this is not hard for them financially, not that I don't care how they feel about it because they are rich.

Thought #2: is that I'm being incredibly selfish for even thinking of asking. A huge part of me says I should just be so so so very grateful that I even get the opportunity to stay home with DS and I don't have to worry about finances. Asking if I can have another baby just seems like I'm saying I'm not happy with what I have, which is not true!! It's just that it seems silly to me that this baby would not change much at all for my parents, so why are we waiting, when we are both ready now? I just don't want them to think I don't appreciate it. I don't want to dishonor what they said three years ago, even though everything has changed. They have not directly said we can get pregnant since then if we wanted to, but they have sort of hinted towards us needing to make these decisions for ourselves.

I don't know, I'm so torn up over it. What do you all think?
post #2 of 29
I don't think it would hurt to have an honest discussion with your parents. If they don't mind continuing their current level of support if you have a baby, I think it would be ok since it looks like you plan to be a sahm for quite awhile. I would just be sure to tell them that if you did have another baby, you would not expect MORE money from them. Let them know you have plans on ways to be more frugal, save money, etc.

But don't forget that even though babies are fairly cheap if you
BF and have lots of equipment already, that you will have more healthcare costs.

So, if your parents agree, and you can budget for the extra healthcare, then I think it would be ok.

I wouldn't look at is as asking permission so much, as finding out if you would still have financial support until your dh finishes school. If they would withdraw their financial support, you and your dh would need to make some major life changes in order to have a baby before he gets a good job.

I totally understand wanting to have another baby. I just had this really strong urge to have our 3rd, even though we didn't have much money. I'm glad we did. I am now done. And things are better financially too.
post #3 of 29
My thoughts? A LOT of people do have kids while not working full time, and they DON'T have wealthy parents to support them. I am normally anti-debt, but what are the odds that your husband can get student loans should your parents withdraw their control money?
post #4 of 29
I agree that it's ridiculous that you would think of asking if you are allowed to get pregnant.

I was going to tell you that, in your situation, I'd just bring it up in a lighthearted way, to feel them out on if they've thought about you having another one or anything like that. Then I read the end of your post where you said "They have not directly said we can get pregnant since then if we wanted to, but they have sort of hinted towards us needing to make these decisions for ourselves." This would make me bring it up with them in this way - you want to know exactly what the conditions are on the money you are receiving from them. What are they expecting of you in return for supporting you? I think that is a fair question to ask. Then you can make your own decisions
post #5 of 29
Hmm...that does sound like a tough situation. It's probably easy for me to say this, because I am not involved in the situation. But here is my thinking on it.

If your parents are giving you money, as a gift, and you are able to stay home with your DS as a result, that is awesome. If your parents are giving you money, and as a result expect to have control over your life (as in, when you will conceive your next child), then I would want out of that situation. Quickly.

I might bring it up with them. Tell them you are thinking about trying to conceive in the next few months. I wouldn't phrase it as a question -- just a statement. If it comes across that they feel they should have input, then I would seriously reconsider accepting the money at all. Even if that means you have to work part time, and you have to wait to try and get pregnant. I just wouldn't want to be in a situation where I felt like I needed to ask my parent's permission to make major life choices. Their opinion -- sure -- I respect their opinion. But not their permission.
post #6 of 29
hmmm...

here's my take...

although i can definitely see the temptation in moving forward with your family-especially when everything has worked out for the best...i think it would be not SELFISH, but just unwise to try and have another child before you know what your situation is going to be after your husband gets out of school...
(to add--sometimes it takes months, MONTHS!! to find a job. I know once we decided to have a baby and said we CAN do this, DH (teacher) found out his school wasn't offering summer school anymore...technically leaving us without income for three months, a month after our baby is due (May)! This is something we did not anticipate and we are lucky we have savings. It is this kind of situation that i am talking about...you NEVER know what is going to happen...and although you shouldn't live in fear of what might happen, you need to be prepared...and not overload yourself in times of great optimism.)


as someone who went to school and then decided to be a stay at home mom, i know that my not working AND having to pay off substantial student loans is what drains our budget the most.

what if your husband's job prospects are not as good as you think? the economy isn't doing so hot right now. there is the possibility that after he graduates he won't be able to find the dream job he would need to instantly start taking care of a family of four. and in 6 months, no matter what, he would have to start paying back loans...which i'm sure, after getting a masters...would be a lot.

and if your parents expect him to take responsibility shortly after he graduates...then they will be very upset.

have you talked with your husband about this? what does he say?

just off what you have already said, i would say that if you really, really really want to have another child and really really really think that it would be in your ENTIRE family's best interest, now and in the future, to have another baby (financially and emotionally) then you should bring it up to your parents.

here's some of the things i would imagine should be said on your part...

"you know, when dh and i started planning our family we really envisioned ourselves having our children closer together."

"although i know you support myself and dc now, and would have to support another child if we continued with our plan, i feel that with our lifestyle this would not be huge increase in support, what do you think?"

"i respect the both of you and i am appreciative of everything you've done. without you none of my ambitions could have become reality. i'm glad that you recognize my having a family as a worthy ambition. i guess what i'm asking now is that you help me to further those ambitions. you could almost consider it "grad school." (hehehe)

those are just some points i would try to make...

but honestly, i don't think you should put all your eggs into one basket...or count on your dh getting this great job right after grad school. even the best laid plans of mice and men...get squashed. and if something does happen that would prevent your hubby from getting a job, or supporting all of you it could create dramatic tension in your family.

but i definitely think you should consult with them...if you're going to do this. a planned pregnancy for you means that everyone who would be involved is informed and involved. for you this includes your parents.

what would you say if they said they will not cut off support but they will not increase it either?

would you be able to still have the baby?

oh and another thing...i know you said your dh makes money for himself...does he put any of that money towards your family? (and i'm not talking just paying the rent...or gas for the car.) if the baby needed something and your parents could not get you money...what would happen?

i know that's not a very organized or concise answer...its just a bunch of my thought strewn together. hehehe. sorry.

but i hope it helps.
post #7 of 29
Quote:
Originally Posted by chirp View Post
hmmm...

. and in 6 months, no matter what, he would have to start paying back loans...which i'm sure, after getting a masters...would be a lot.

.
Careful not to make generalized statements. Where I live, there are interest relief programs where you do not make loan payments (nor accrue intrerest) for up to 30 months. Then, if you still qualify, you can get another 2 years, then if you still qualify they reduce your loan by half or $10,000. I am not in the same province as the OP, but we are in the same country and it might be different where she lives versus where you live. She is currently in Florida but said her DH would be in school in BC.
post #8 of 29
Quote:
Originally Posted by sanguine_speed View Post
Careful not to make generalized statements. Where I live, there are interest relief programs where you do not make loan payments (nor accrue intrerest) for up to 30 months. Then, if you still qualify, you can get another 2 years, then if you still qualify they reduce your loan by half or $10,000. I am not in the same province as the OP, but we are in the same country and it might be different where she lives versus where you live. She is currently in Florida but said her DH would be in school in BC.
dammit! why can't we get breaks like that here!!

alright so he may not have to pay back the masters school loans right away, which would be awesome...but if he's getting his bachelors in the US wouldn't he be getting loans/aid from a US institution?

OP--if you don't mind divulging...what does happen if you're not a citizen of US but go to US schools? who funds it? Canada banks? US banks? Your choice?
post #9 of 29
Perhaps you should just ask your parents if now that they feel you made the right decision they they would consider giving you an equal amount of money to you to support your chosen life path as your siblings got for college. I would not mention another baby yet.

I really don't feel that if a person can afford to support their family without total outside financial support from a parent or government that it is responsible to ttc another child. My honest opinion is that you should wait a few years to ttc until your dh can support your family -or- get a job to help support your family if you decide to ttc. You are young. Your dc is very young.
I'm not bashing you or your life. I received a lot of financial help from my family when my dd was younger that enabled me to be a SAHM when things were tough. I appreciate that generosity. It would not have been right for me to ask for more so I could have another baby.
post #10 of 29
I agree that a grown woman and mother should not need her parent's permission to become pregnant with the next member of her family. However, in general grown women are not married with a child and still receiving 100% financial support from their parents. I admit having a hard time wrapping my head around it, but I think it's fabulous that you figured out your direction in life at such a young age (heck, I still don't know what I want to be when I grow up!) and that your parents have been kind enough to support you in the pursuit of your dreams.

That said, I think you should either talk to your parents about your plans and/or feel confident in your ability to make the decision yourself and be prepared to deal with any consequences. Your parents have already changed their expectations about you going back to work, plus now they're also willing to support you during your DH's masters program. I don't know if these compromises would make your parents more or less likely to make another compromise, but it doesn't hurt to ask!

And welcome to the boards! Glad you came out of lurkdom.
post #11 of 29
Quote:
Originally Posted by chirp View Post
dammit! why can't we get breaks like that here!!

alright so he may not have to pay back the masters school loans right away, which would be awesome...but if he's getting his bachelors in the US wouldn't he be getting loans/aid from a US institution?

OP--if you don't mind divulging...what does happen if you're not a citizen of US but go to US schools? who funds it? Canada banks? US banks? Your choice?
I can think of many reasons why you don't get breaks like that there...but I'd be in violation of the UA I'm sure lol.


I can't speak for the OP, but in Ontario, OSAP loans pay for the student...no matter where I go I'm still considered an Ontario resident for the purposes of school as long as I have not been out of school for a consecutive year. So if I went to school in the US or in another province I would still get OSAP and be under their terms for repayment etc. In fact I have lived in Quebec and received OSAP. Likewise, I've met many people at school from other provinces who receive their province's loans. Some people stay out of school for a year to make themselves eligible for OSAP.
post #12 of 29
My concern is that your DH is support himself but NOT you or the baby. My
2nd concern is that as a married adult and mother of a small child you are relying on your parents for monetary support. Your life is your decision and you need to do what is best for YOU. If your parents want to 'gift' you money thats one thing, however if you are dependent on those funds for daily living thats not healthy either.
can you get a side job, babysit, etc to bring in your own money?
post #13 of 29
Quote:
Originally Posted by 1growingsprout View Post
My concern is that your DH is support himself but NOT you or the baby.
This also concerned me as well, but I didn't put that in my first post.

I am worried that you are keeping your finances separate right now, and when dh finally starts making money, and your parents cut you off, that he will continue to think of it as 'his' money. I'd make sure you start working together financially.

When dh lost his job several years ago, 4 days before my scheduled c section, my dad helped US out. He gave US money. It wasn't allocated for just me and the children.

Before having a second child, I'd just make sure you and dh are on the same page financially, and have common goals about and ideas about how money should be spent.
post #14 of 29
I would consult your parents since their money is definitely going to factor into your decision. From what you've said, it doesn't really sound like they are trying to control you, they just don't want to act as enablers for bad decisions. I'm sure if you explain your reasons, they'll see it's a well-thought out decision on your part.
post #15 of 29
I think its great that they are able to support you. I would just talk with them and tell them of your desire to have a second child. The expenses really wouldn't be any different for them either way, right?
post #16 of 29
Quote:
Originally Posted by SusannahM View Post
From what you've said, it doesn't really sound like they are trying to control you, they just don't want to act as enablers for bad decisions.
:

But she phrased it better than I would have.

It does sound more like they were trying to help keep you from making bad decisions, not that they wanted to control every part of your life.

It sounds like they initially had their heard set on you getting an education, a good job, and then starting a family. Since you changed the plans, they probably just didn't want to enable you to have several babies you couldn't support, not control your reproduction.

Unless of course there is more to the story, that they really ARE trying to control more.

Hope you are able to come to a good decision.
post #17 of 29
I would wait until my husband could support his own child.

It can't be doing anything for your husband's self-esteem to have his in-laws supporting both his wife and his child.
post #18 of 29
Quote:
Originally Posted by Crunchy*VT*Mom View Post
I would wait until my husband could support his own child.

It can't be doing anything for your husband's self-esteem to have his in-laws supporting both his wife and his child.
I agree with this. 1000%
post #19 of 29
Since you're only 23, you have plenty of time for another baby. Why not wait about three years if it will keep peace?
post #20 of 29
Quote:
Originally Posted by ~Megan~ View Post
I think its great that they are able to support you. I would just talk with them and tell them of your desire to have a second child. The expenses really wouldn't be any different for them either way, right?
I agree. I think it's so nice that your family is willing to help you out.

I understand your situation somewhat, my parents have been really supportive of me over the years. From what you said here, it doesn't necessarily sound as if your parents are trying to control you, rather that they're trying to make it possible for you to make decisions that they think will benefit you and your family. Fair enough.

I think that talking with your family about your wishes for the future is a good idea. I don't view it as you asking your parents for permission, rather I see it as you asking about their willingness to continue supporting you under somewhat different circumstances. They're not controlling your fertility, but their support (or lack thereof) will impact your decision-making regarding your fertility.

Good luck, and I hope it works out well for you
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