Working Moms and the Dual Income Trap

By Suzanne Venker , Author - May 26, 2009

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In Kiplinger's June 2009 issue there's an article titled "Goodbye City Life," by Elizabeth Ody. It tells about a Manhattan lawyer who quit her high-powered job to spend more time with her family and start a less demanding career at home: baking. Like many women today, Felicia Fisher has decided she wants a simpler life; so she started the Black Buggy Baking Company out of her home. Most of her work is done by 8:00 am -- 11:00 am on a bad day.

"Although losing her salary was an adjustment, [Fisher] says it's been surprisingly manageable. Health insurance from her job had been covering the whole family, but they're also saving a bundle on the combined expenses of commuting, babysitters, and an office wardrobe. She says the experience of living next to Mennonite neighbors helps you realize you don't really need the luxury items people own nowadays." Fisher is a great example of one of the arguments I make in my book, 7 Myths of Working Mothers: You really can stay home if you want to.

Particularly in light of our new economy. In fact our new economy is the best reason to stay home. Since the downturn, there have been scores of articles written about how families can cut back, spend less, become more frugal, downsize, budget better -- you name it. In "The Upside of Living on Less" (Redbook, March 2009), Whitney Joiner writes about couples who've turned a liability -- losing their job, for example -- into an asset. Countless families have learned an important lesson: It isn't always financially sound to have both parents in the workforce full-time. Not when your children are little, anyway.

In fact I would argue that the mass exodus of mothers from the home is partly to blame for why we're in this economic mess. We say we need the money, but for what? For larger homes we can't afford? For some time, the prevailing wisdom in America has been that most mothers "have to work." I say there's never been a better time to challenge this argument. If you read the articles about families who are scaling back, you notice a pattern: In describing their new lifestyle, women mention things like cooking their meals at home; spending Saturdays at the park; playing games with their children; going to the library -- basically, the kinds of things families used to do in the old days. You know, when mothers were home. The reality is that we've simply created an environment that requires two incomes. In order to keep it up, mothers say they "have to work." And they do -- if they expect to meet the demand they've created. Change the demand, and options abound.

David Brooks writes in New York Times Magazine that wealth "really does seep into your soul." As a result, "life becomes a vectorial thrust toward perpetual gain and aspiration fulfillment. It takes a force of willpower beyond the call of most ordinary Americans to renounce all this glorious possibility." Of course, we didn't renounce all this glorious possibility -- which is one of the reasons our economy is faltering. It's also why for years we've been referring to at-home mothers as "lucky" -- because the alternative is to believe these families are somehow able to renounce that second income and live without abundance. Yet this is precisley what most of them do.

There will always be circumstances that force mothers into the workplace. But the fact remains that the dual-income family -- in which both parents are employed year-round and full-time -- is a trap. Do the math, change your lifestyle, and most families will fare better economically (to say nothing of the reduced stress) if one parent stays home. If this suggestion seems outlandish to you, it's only because Americans have been taught to believe that mothers today have no choice in the matter. In fact this is considered such a fait accompli that few dare to question the wisdom (or lack thereof) behind it.

The only way to counteract the message is to think for yourself. You just may find, as so many women have, that there really is another answer.
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OPINION: Working Moms and the Dual Income Trap

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  • MrBook
    always the woman?

    Why is it always the woman in these situations who is expected to stay home?

    Certainly, under ideal conditions , one parent should remain at home to care for the child/ children , but few families live under those conditions... and it is a hard but necessary choice to make when both parents decide to work. To suggest that that choice is made by greed or blind commercialism is a great disservice.

    - MrBookUS May 27, 2009 12:00AM

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  • Mary Ellen Walsh
    To work or not to Work,

    Here we go again. More reason for women to stay home and just behave. Things would be better if you just: cooked, cleaned, schlepped everyone to the library, tabled your dreams and stopped achieving. We wouldn't stop and listen so now the big bad economy is going to do it for us.

    I agree that getting back to basics is nice for any group of people who reside together -- call that a family. I know plenty of work-at-home husbands who cook.

    I'm a stay-at-home mother of three. I did without, quitting my highly stressful Manhattan PR job. We took hand-me down furniture to start our lives together. My children wear hand me down clothes. I finally just got a cell phone this year. We did without and it's been extremely hard for me now to get back into a field competing with other women who were smart and kept one foot in both worlds all this time (as crazy as their life was).

    Don't stick your head in the sand and buy into this one, ladies. We have to find a balance.

    Mary Ellen Walsh
    founder: www.daughtersandmoms.com

    - Mary Ellen WalshUS May 27, 2009 7:26AM

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  • anastasiav
    The Real Trap

    The real trap here is that you're looking at this from an upper middle class viewpoint. Its easy to say "stop working, you don't need so many things" but the reality is that most families in America are living paycheck to paycheck, and having one parent drop out would have dire consequences for the family.

    You don't mention, for example, what Ms Ody did when quitting her job lost her family their insurance. In lots of families, a pre-existing condition for parent or child would make a private policy burdensomely expensive - hundreds of dollars per month for much less coverage than they had previously.

    Do some two-income families spend money on crazy material objects? Sure. But its tunnel vision to think that for most families, the loss of one income would be anything but devastating. In my own family, with both parents working, we make about $60K a year, in a good year. 85% of that goes to necessary bills: mortgage, heating, insurance, student loan repayments, groceries. Losing one income, for us, would not be a question of "living without abundance" as it would of "living on assistance."

    The real trap is that housing costs are high. Heating costs are high. Healthcare costs - even for those who have insurance - are high. Americans haven't been taught to believe that mother's have no choice -- they've done the math. They have no choice because the alternative is not just living a simple life, its living an austere life where one misstep - an injury or illness, an unexpected large expense - would result in the family falling into the abyss.

    If the math works for you, great. But if you really want to challenge the argument, start challenging the "fait accompli" of the realities of the cost of healthcare and energy in this country, and agitate to find a new way, a better way, to make sure our children (and parents) are healthy and live in warm homes and a clean environment .

    - anastasiavUS May 27, 2009 10:31AM

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  • againes
    Savings

    You must be joking. It is not so much the extras that you buy. It is the health costs, that are high and getting higher. The need to save for retirement . they are almost no pensions and SS funding looks shaky. The costs for college are enormous with top ranked schools coming in at $50k! I have been working since I was 17, except for a few years when my daughter was little. Worked my way through college. We bought a modest house, paid back student loans, have 10+ year old cars and are trying desperately to save enough for retirement. It would be impossible with one income besides the stress it would put on my husband as the single earner. We already cook at home most nights, have lots of board game and dvd/cable nights.
    Sorry for the diatribe, but your article sounds as though you live in a dream world, not the reality for most of us.

    - againesUS May 27, 2009 12:55PM

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  • Suzanne Venker
    Addendum

    To the woman who pointed out that I'm "looking at this from an upper-middle class viewpoint": You're right. And I should have pointed that out in my article. If one spouse makes 30 or 40K a year, then it would not be a financial trap for the other spouse to get a job.

    Of course this only applies if the parents in question do not have young children , or if they have free child care for their young children. Otherwise, half the second income will be eaten up by having to pay someone else to care for your child while you're at work.

    This distinction is critical and goes unexamined in our society . Returning to work once children are in school can certainly be advantageous financially. But the working mother debate is not about this scenario. It is, in fact, about "upper middle class" women who choose to work despite having young children at home. This has always been the demographic I've targeted.

    This particular article here wasn't meant to tell women what they should do. Rather, it was meant to point out that if a mother wants to stay home it's often more possible than they think. Upper-middle class women do have options, but they claim they don't. Instead, they compare themselves with women who make 30K a year to supplement their husband's 30K a year salary -- as if both mothers work for the same reason. This is disingenuous at best. In fact the folks who "scrape by" making 50K a year combined salary should be irritated by the working mother debate -- because it really has nothing to do with them.

    Maybe that's why the parents I know who both work to make a 50-60K salary are not bothered by my arguments. Many of them would like to stay home if they could. But the working mother debate bundles these two groups -- those who must work with those who choose to -- and cry foul. Yet the two have nothing to do with one another.

    The topic of working mothers is much more complex than people realize -- and much too complicated to analyze in one article. For more information about the subject, please visit www.suzannevenker.com .

    - Suzanne VenkerUS May 27, 2009 6:41PM

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