<font color="ff6000">Janet, Msbrown</font>,
When become SAHM it's not just the loss of personal income hor. Cos you're at home looking after the kids, you're effectively working 24-hours a day, 7 days a week, 365 days a year... no Annual Leave, Bonus, MC, no Benefits like dental, etc. On top of that, all your so-called personal time also flies out the window.
It's a real committment to be a SAHM lor. For me, I would like to continue looking my children at home, but cos I also want to send them for enrichment classes, etc, I need to go out and work lor. My family's motto nowadays is - minimise all "luxury items". We also got no car hor. Our only "luxury" is the maid. But even then, she's also considered a necessity cos both DH and my working hours can be long. In this case, we need her to fetch my gals from school, feed them, bathe them, etc. I got totally no family help lor.
Alamak.. sorry I so long winded..