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The Rachel Cruze Show

Want to Be a Stay-at-Home Parent? Start With These Questions

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 25 July 2025

⏱️ 11 minutes

🧾️ Download transcript

Summary

💵 The simplest way to budget. Download the EveryDollar app for free! Trying to decide whether to be a working parent or a stay-at-home parent? In this episode, I’ll share five questions that will help you and your spouse make the best choice for your family. Next Steps: 🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month. 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show   💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

So one question a lot of couples and families are wrestling with is, is it better to have two incomes and pay for child care or have one parent stay home?

0:14.8

So if you are considering this in your home, here are five questions that can help you make that decision.

0:20.6

And stay tuned,

0:21.9

because at the end, I'll be sharing my biggest working parent lesson that I have learned in 10

0:26.3

years of being a mom. So make sure to like, subscribe, and share this episode with a friend.

0:31.2

All right, first, before I share the five questions, there's kind of this invisible step that's

0:36.1

really crucial. And that is to know your why.

0:39.9

Why are you wanting to stay home? Why are you wanting to go back to work? Why are you thinking about

0:46.4

going part-time? Like, understanding what is going on inside of you and your motivations for the

0:52.5

answers to those questions are really important. So there is a level of kind of self-reflection I want you to have that I think is really key in this overarching concept, right? Because if your answer is, oh, God, I feel like I should go back to work because if not, like, we're going to have to limit our lifestyle and I don't want to limit my lifestyle and that makes me nervous. And there's a lot of fear there.

1:11.0

Okay, well, let's tap into that.

1:12.4

Like, right?

1:12.7

Like, start digging through the layers of why. Or maybe I feel like I need to go home because that's what a good mom does. And that's what society's telling me, you know, in my part of the country that's what I should be doing. We'll dig more into that, right? So understanding the answer to that question is going to kind of help you flesh out and get to a healthier perspective.

1:12.3

That's really important to have. dig more into that, right? So understanding the answer to that question is going to kind of help

1:27.8

you flesh out and get to a healthier perspective that's really important to have. All right,

1:32.3

the first question is, it's kind of hypothetical, but which budget makes the most sense? So what I

1:39.5

want you to do is I want you to create a couple of mock budgets for your household. So first, I would say

1:45.8

total your income if you're both working. You're both going to work after maternity leave

1:51.4

and then list out all of your expenses, which will include child care, and see how that feels.

1:56.0

It's like, oh gosh, you know, I'm going to be paying for more gas because the child care place

2:01.9

that I want is like across town. How much is child care? Like, oh my gosh, like list all that out

2:07.8

and kind of just see, okay, how does that feel? And then do another budget and say, okay, what if I

...

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