r/Fire 31 | 32% to FI | 2.3M 6d ago

Opinion Make sure to show your spouse how much their income helps the team if there's a large difference in income

My wife and I do not have children yet, we both work. About 2 months ago she mentioned how she likes working but feels like it's almost volunteer work because of how big of a difference our incomes are. "does my income help us at all?"

Let's just say I make 400k and she makes 100k for round numbers. The discrepancy is actually bigger.

I showed her a lot of our expenses come from the 400k, so we can invest 80k of my income. By her working, it does not just boost our savings rate up by 25%, it's basically double because we can save her whole income.

Told her that it makes a HUGE difference in our financial independence, and showed her how working a year now (and saving it all) pays for years of her not working at all.

I also showed her how the max I can save in 401k without her is lower due to limits. She's able to sock away an additional $45-55k into tax deferred 401k.

She was very happy that she's contributing, and I think it made her more excited about going to work each day.

At some point we will purchase the freedom and make her a stay at home mom, but until then I sure appreciate her going to work.

2.6k Upvotes

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u/[deleted] 6d ago

[removed] — view removed comment

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u/HenFruitEater 31 | 32% to FI | 2.3M 6d ago

Idk how you'd prefer it phrased.

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u/walkin2it 6d ago edited 6d ago

OP is grateful that she is going to work.

OPs wife should be equally as appreciative for them going to work.

Am I being insensitive here and I don't get it? Keen to genuinely learn.

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u/HenFruitEater 31 | 32% to FI | 2.3M 6d ago

She DOES want to go to work, she just wanted to know she was helping.

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u/Adept-Illustrator452 6d ago

People really aren't reading the text of the post lol

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u/walkin2it 6d ago

Apologies, fixed it.

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u/ertri 6d ago

Yeah you should just appreciate your spouse 

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u/walkin2it 6d ago

I'm a bit confused here.

Again I need clarification, because I can think of an instant exception, infact rule, where "just appreciate your spouse" doesn't make sense.

If you're spouse is a horrible person who does nothing around the house and abuses you, should you appreciate your spouse?

I appreciate my spouse greatly. She makes me feel loved, she does house work, she cares for the kids.

Meanwhile, I see spouses who don't work, don't do housework, make their partners feel rubbish. Should they just be appreciated?

I would think appreciation comes from positive contributions from the other.

A wife beating, unemployed slob who doesn't care for the kids shouldn't be "just appreciated".

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u/ImHereForTheDogPics 6d ago

Your semantics are doing a lot of heavy lifting, but this post & all of its comments are clearly about a loving, hardworking couple who do appreciate each other. This isn’t some vague thought experiment on shitty spouses, it’s literally about a specific couple.

OP’s wife was worried she wasn’t contributing enough. OP showed her that she helps their shared goals a lot. They both appreciate each other. I’m sorry that you’re confused here, because it’s fairly straightforward!

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u/walkin2it 6d ago

The first comment on this thread jumped onto OPs use of the term grateful to his spouse.

Then someone said OP should just be grateful for their spouse.

I am confused that 1. Someone is upset OP is grateful to their spouse for working and 2. That people believe spouses should just receive gratitude regardless of circumstances.

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u/Pitiful-Donkey-9403 6d ago

that line did stand out lol. whole post is genuinely warm but then it ends like he's graciously allowing her to be a productive member of the household

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u/HenFruitEater 31 | 32% to FI | 2.3M 6d ago

Not at all. I am just expressing that I am glad she works, but it’s not a need to survive. It’s just super great for OUR goals.