You do of course...but you also have to determine long term cost potential of all of the other expenses and savings besides day care.
It compounds in both directions and gets amplified by the continued lack of time due to balancing home and work commitments. Usually it takes a couple of years of exhaustion before people come face to face with the realization that things would be much easier of one person was a stay at home.
The formula is trickiest in the middle. At the higher end, a lot of couples will hire a nanny that can provide many of the same benefits as a stay at home. At the lower end, the decision is fairly easy.
It's in the middle where it's toughest to come to grips with it.
It compounds in both directions and gets amplified by the continued lack of time due to balancing home and work commitments. Usually it takes a couple of years of exhaustion before people come face to face with the realization that things would be much easier of one person was a stay at home.
The formula is trickiest in the middle. At the higher end, a lot of couples will hire a nanny that can provide many of the same benefits as a stay at home. At the lower end, the decision is fairly easy.
It's in the middle where it's toughest to come to grips with it.