Why Not Getting a Job Might Not Be the Wisest Choice

I frequently see women who have been stay at home moms advised by well meaning people who have been through the hell of betrayal and divorce NOT to get a job. Many times they are advised by their lawyers not to get a job. I was advised not to get a job. As my first attorney said (and I’m paraphrasing), “I want to put you up on that stand as a stay at home mom with no income.” Let me tell you why I think this is bs.

First of all, I get it. I understand *why* the lawyers give us that advice. Child support and alimony calculations, many times, are based upon the difference between what you are earning, and what you need to continue living the same lifestyle you and the kids have been living. Your lawyer is trying to get you the best deal possible. In regards to child support it’s usually a set formula but when it’s an income share model the more you make the less he needs to pay. That’s why Jerry Lee was insisting upon current numbers when I first tried to modify child support. If I was making $1.00 more per hour that would mean his support would be cut. It wouldn’t be cut by much but any amount he could get out of paying was worth it to him.

With spousal support you are looking at all of your expenses and what you need to pay your bills. Every dime you don’t make is a dime that your spouse is, in theory, supposed to make up. Scratch that. It’s actually the difference between what you are earning and what you need to pay your bills. When Jerry Lee lost his job, forcing us out of the house, it benefitted him greatly. As my second lawyer told me it wouldn’t matter how much money he made. If all I could show was $3000 in monthly expenses then the judge would only award me the difference between what I was making and $3000. Obviously my expenses were higher when I was paying a $2100 a month mortgage, plus utilities that ran anywhere from $400-$600 a month. Regardless of how much or how little your monthly expenses may be it  stands to reason you want as much help as possible, especially if you haven’t had a job in years. You should receive more help when you make $0 than if you’re making $40,000, or $100,000. That’s what the lawyers are looking at, and that’s what the well-meaning people on support boards are talking about.

Let’s look at the big picture though. Most of these stay at home parents have been out of the workforce for years. 10, 15, 20 years. Many of them don’t have a college degree, and we already know that a college education won’t necessarily get you a great job right away if you’ve been at home for a considerable amount of time. My main point is even if they do manage to get hired right away chances are they are not going to be making anywhere close to what the ex is making. If you’re one of those women that has supported your husband throughout the years while he’s climbed the corporate ladder, or you helped put him through school while he earned his law degree, medical degree, or other doctorate, he’s light years ahead of you. He’s been making money and getting steady increases in his pay over 10-20 (or more!) long years. You’re starting out at square one. He is going to be making so much more money than you that it really doesn’t matter if you’re making $30-$40,000 a year. Compared to the $150,000 or more that some of these men are making it’s a drop in the bucket.

You also need to consider the likelihood that he’s even going to pay. I’ve seen it more times than I can count where women are counseled to not get a job because that will affect how much they will receive in child support. We keep ourselves in poverty on the promise that child support and possibly spousal support will be more. Sometimes we luck out and he is ordered to pay a significant amount of support; however, being ordered to pay and actually paying it are two completely different things. Ask me how I know.

According to the US Census Bureau in a report from 2018 only 43.5% of all child support recipients reported that they received the full payment. Honestly, I was shocked it was that high; at one point I believe the stats were somewhere between 25-35% of support recipients received payment in full. More than 30% don’t receive any support at all, although I was unable to verify if that included people who have never filed for it, or if that was strictly people who had an order that was not being followed.

I know anecdote doesn’t equal data but back when I was still a teller I remember looking around at my co-workers. There were four of us. We were all lined up in a row. At least three of us had been married to the father of our children; I’m not sure about the fourth. Not a single one of us was receiving regular support. I think I had the best situation out of all of them, which is a sad thing if you think about it. Some didn’t pay at all. Some would toss the mother of their child $30 once in a while. Make a random payment here and there. I will never forget that image. Four women working hard to provide (barely) for the four sets of children left behind by the four fathers who didn’t care whether their kids were provided for or not. Maybe they just figured we wouldn’t let our kids starve. Maybe they didn’t care one way or the other. Kids fed and doing well? Great! Kids starving and doing without? Not my problem!

Those statistics become even more important when you consider so many states don’t have spousal support. You can spend your entire marriage supporting your spouse’s career and taking care of the house and the kids, but once he decides he’s done with you and he’s onto the next willing victim there is nothing for you. Nada. So you’d better hope that child support is generous and is paid in full.

I’m not saying to go against your lawyer. God knows, if you’re paying hundreds of dollars an hour you should probably follow their advice. I am saying it might be a good idea to question your lawyer on why they are giving you that advice.

Most of these women are terrified. They have no idea how they’re going to make it once they’re divorced. I get it. I was one of those women. I was living in a nice big house. I had a nice, cushy life. I had no money problems. Then **POOF** it was all up in smoke. I went from going on shopping binges to fill my house with furniture and putting a $57,000 inground pool into my backyard to wondering how I was going to pay for insurance and where would my kids and I live? How would I pay for my daughter’s graduation party? How would I afford college (in a state that will not order college to be paid for)? How could I provide for my children? All questions I was wondering about while my lawyer wanted me to appear in court as a fragile little stay at home mom.

In hindsight the best thing I could have done was start searching for a job right away. What I probably would have made wouldn’t have prevented us from losing the house but it may have given me more of a cushion. I was actually pretty good at staying on a budget. When he did lose his job I would have had something to put towards bills instead of having to begin draining my savings. Even if I ended up having to leave my job six months later I would have still been in a better position to get a job once I moved to Indiana. Trying to get a job after a long absence in the workforce is a nightmare. This idea that when you’re finally ready to get a job you’ll find one is a fairytale. In a lot of cases it takes a long time. Far better to start that search before you want to, so that when you need to you’re well on your way. I also might have been in a better position to ask for more money. Between having more relevant work experience and having had an actual paying job I might have been able to make more, or at least been confident enough to ask for it.

It’s well meaning advice but I don’t think it’s very prudent. The difference between what a man who is making six figures will be ordered to pay you when you’re making nothing versus making a fraction of what he makes is not worth putting yourself in potential poverty. The chances of him actually paying out what he’s court ordered to are less than half- 43.5% to be exact. And finally, just because you start looking for a job doesn’t mean you’re going to find one right away. Once you find one it doesn’t mean it’s going to pay well. It took me almost four years to finally get to the point where I’m making enough to support myself on my own if I had to. Save yourself. Don’t wait on the man who cheated on you and abandoned your kids to rescue you. It probably won’t happen.

































































































10 thoughts on “Why Not Getting a Job Might Not Be the Wisest Choice

  1. You’re so right in what you say. It’s all well and good going for as much alimony/child support as possible, but the buggers have to pay it too don’t they? And if they don’t, well then what? I would have given my right arm to be a SAHM, but I earned more than him and I also had the expat benefits. In the end I was so, so eternally grateful to have that job – which allowed me to divorce him when he moved in with his skank, keep my house and keep my kids fed and clothed. I HATED leaving my kids in day care and was so envious of those SAHMs that didn’t have to worry about when their kids got sick. But, little did I know how so many of those SAHMs hated their lives (my neighbour in particular, whose husband has cheated on her throughout their almost 50 year marriage but she has nowhere to go and no money to do it)!

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    1. It’s always a constant tug of war for me. On one hand I loved being able to be at home with my kids when they were little and I loved having time to myself when they were older and at school. On the other hand it totally came back to bite me in the ass when it came time to get a job. And the fact of the matter is to this day I feel like I’m nowhere near as good of a mom now as I was back then when that was the only thing I had to worry about. Like I said, as they got older I had time to do what I wanted during the day so when they were home I could give them my full attention- driving them around to various activities, going to their events, volunteering, driving them and their friends around. Now I have to fit all of that in around working full time. Maybe if I had done it from the very beginning I’d be used to it by now instead of having to change everything the last few years. I have no idea how moms with little kids do it; I found it difficult enough with teens. I can’t imagine having little ones around and trying to do this with kids that are completely dependent on you.

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  2. Great advice, Sam. I always believed women especially should protect themselves by building a decent career. However, dumbarse here got shoved into that box. Farming. Where I did the same work as him, unpaid, and all the domestic load. We were building equity, a future, a comfortable retirement.

    Yeah, right.

    I keep encouraging my daughters, especially, to keep relevant careers. Both say they don’t want kids. I get that. I was the same after seeing my SAHM. Thankfully I had just (and I mean just, he announced he was leaving me for his whore the day I submitted my – first class honours endorsed – thesis) completed my Masters and had a part time position that my boss quickly coverted into fulltime, as the practice manager for a specialisist vet practice.

    It isn’t really a great job, but has enabled me to live and help support my two youngest who were both still at uni at the time.

    Work. For pay. If you possibly can!

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    1. Absolutely. I guess my excuse would be that I saw my mom go back to work and get a decent job after being a stay at home mom. I figured I could do it, too. I can now; however, it’s been almost six years since the discard and four years since I started working at the bank. If I didn’t have my mom to lean on I don’t know what would have happened to us.

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  3. I agree with this. Once it is clear you are getting divorced a person needs to critically evaluate employment options. I have many friends whose ex’s debate every cost and payment. My recommendation is negotiate a lump sum payment and forgo alimony. Get the money immediately.

    I have as good a situation as possible. I make a high salary and, although I worked a reduced schedule while the kids were young, I stayed employed as an engineer in the oil industry. I have full benefits. I have 25 years with my company. I finished my MBA along the way. I have a pension. My ex and I saved for college and I have control over the money.
    My ex works at the same company. No spousal support or pension splitting was required.

    I also have full custody of the kids and my ex pays his child support, in full, and on time.

    Financially I am much better off now than I was with my ex. He was a compulsive spender.

    Life is long. Consider finding a way to be self supporting.

    I am planning to start my masters in counselling soon. I think I might need a new career when I retire in 5 years. Education is always a good choice.

    Anne

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    1. I would have loved to have taken a lump sum but he made sure there was nothing left. We had just moved a year prior to me discovering his affair. We hadn’t even paid our mortgage for a full year yet! The money we had in stock options were mainly used to put a pool in the backyard. Well, actually that was their intended purpose; I ended up moving that money over to an account in my name only so he couldn’t continue to spend on Harley and hand her money. He walked away from tens of thousands of dollars in additional stock options that hadn’t vested in order to move closer to her. The house went into foreclosure. All of our credit cards went to collections. The only thing he had left worth splitting up was his 401k. He didn’t have anywhere close to enough money to pay me a lump sum. I think his offer was $30,000. I get more than that in a year.

      I will probably always regret not working the entire time my kids were younger. I definitely preach to my daughter to be able to support herself and to never stay at home with her kids if she has any.

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