You've probably heard the saying "a penny saved is a penny earned." Makes, sense. A penny is a penny, right? It's actually not exactly true. In most cases a penny saved is actually better than a penny earned. “What?” you ask? Well, thanks to federal taxes, earning a penny typically leaves you with only a fraction of your hard-earned coinage, while saving a penny post-tax leaves you with an actual full, shiny, copper coin. In fact there are many benefits to saving versus earning, so let's take a look.


So, just to clarify at the start, this is not going to be a hard sell on giving up on a full time job to stay home with your children, nor is it a dissertation on how becoming a stay at home mom (SAHM) is easy (because it's not!) and better for children.  This is just simply some opinions on the subject matter of a former two income household making it in today's world with one income. 

Realizing the Need for Change