
Mommies, Nannies, Au Pairs, and Me: The End Of Being A SAHD
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When my son was born in 2017, I decided to focus on being a stay-at-home dad (SAHD). Every early childhood development book I read emphasized that the first five years are the most critical for a chil...
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June 13, 2025
12:18 PM
Financial Samurai
Original publisher
When my son was born in 2017, I decided to focus on being a stay-at- dad (SAHD)
Every early childhood development book I read emphasized that the first five years are the most critical for a child’s growth
So I figured, why not spend that time with him
It wasn’t a difficult decision since I hadn’t had a day job since 2012
The only things I risked sacrificing were my writing, patience, ego, happiness, and sanity
I believe being a stay-at- parent for the first three years is one of the hardest jobs in the world—far tougher than working 60-hour weeks in banking
So I’m confident it’s harder than most other jobs too
At the same time, it’s also the most rewarding work I’ve ever done
But that chapter is now over
Also, for full disclosure, my wife is also a stay-at- parent who does even more childcare
So relatively speaking, I got it easier than solo stay at dads
For men considering becoming stay-at- dads during their child’s early years, I want to some perspective before you take the leap
This applies equally to women thinking leaving the workforce to be stay-at- moms, but with a male twist
This article is also my declaration that after eight years and two months, I no longer consider myself a stay-at- dad
The reason is obvious in the end
Recommendation: As a parent, you most vide for your children and keep them safe
Therefore, it's imperative to get a term life insurance policy per parent that lasts until the kids are adults
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My wife and I both used them to get matching 20-year term life insurance policies at an affordable price when our kids were one and four
The monthly premiums I pay are well worth it for the peace of mind alone
Some Important Truths Being a Stay-at- Dad (SAHD) Here are the most important things to watch out for if you want to become a SAHD
If you can accept these truths, your time as a SAHD will be better. 1) You’ll Be Part of a Small Minority If you’re not used to being a minority, you may have a difficult time fitting in as a SAHD
In my eight years here in San Francisco as a SAHD, I estimate only 5% of dads I meet are the primary caregivers
The same is true in other big cities New York
Here’s my rough breakdown of childcare viders I've observed from going to playgrounds, parks, museums, activities, and schools: 60-70% — Nannies (100% women). 10-20% — Au pairs (100% women). 10-20% — Moms 3% – 7% — Dads SAHDs Must Learn to Adapt to Awkward Situations As a minority, you’ll need to blend in and sometimes navigate cultural or gender-specific topics and conversations
One time, I was with my wife and a group of eight moms in Golden Gate Park
We were going for a nice stroll when the group decided to take a break underneath the shade of a nice big tree
We rolled out our blankets and cradled our babies, when suddenly, breasting started
I felt awkward even if the moms did not, so I left to give the moms privacy, leaving my daughter with my wife
Since then, I stopped joining mothers’ walking groups and usually walked alone or with my wife
Being a minority can sometimes mean having fewer social connections, as it may be harder to assimilate or be fully included
You might find yourself intentionally or unintentionally left out of group activities organized by the majority
It’s important to get used to moments of isolation—and to recognize that building meaningful friendships may require extra effort
Another time, a nanny’s toddler was crying uncontrollably for 10 minutes while she chatted with other nannies
I offered to help play with the toddler while parkour class was going on, but she gave me a cold glare and said, “No, I don’t need your help,” before scolding the child
That was the last time I offered to help a stranger’s child out of fear of backlash. 2) Other Men and Women May Not Give You the Respect You Seek In our -conscious world, being a stay-at- dad is still an anomaly
Unless you’ve built a company or already reached the pinnacle of success in your field, few people—both men and women—will give you much respect
They might be polite to your face, but that doesn’t mean they’ll invite you into their social circles
Among working men, there’s often a lingering belief that men should be the primary breadwinners
As a result, they may view your role with confusion, skepticism, or quiet judgment
Mothers may appear more welcoming, but in reality, they often form tight-knit groups with other mothers
Even if your wife works full-time and you handle all the household chores, pickups, drop-offs, and scheduling, you may still be seen as an outsider
Perhaps the hardest part, though, is dealing with your own sense of embarrassment
Any lingering insecurity your role can show up in how you speak and carry yourself to the outside world
Even if raising your child is the most meaningful job you’ve ever had, it can be hard to fully embrace your identity as a stay-at- dad
The solution to this insecurity is to have a ject of your own—something you're actively building or working toward
It doesn’t have to generate income; it can be what I call a “trust fund job,” where the focus is on activity, not fit
The key is to maintain a sense of personal identity beyond fatherhood, so you don’t feel your entire worth is tied to being a parent. 3) You Will Be Taken for Granted, No Matter How Hard You Try Marriage plus parenthood is hard
There's a reason parental happiness often dips during the early years of raising children
Less sleep, little personal time, and constant exhaustion can take a toll, making it much easier to argue with your spouse
You may find yourself longing for appreciation just as you're running on empty
As a stay-at- dad—while the vast majority of fathers work outside the —you’ll do far more of the childcare in comparison
You might take pride in always being there for your kids and feel you deserve recognition for it
But here's the truth: nobody else cares as much as you do—because they’re your kids, not theirs
That’s why fatherhood must be intrinsically motivated
If you’re constantly looking for external validation, you’ll be disappointed
No matter how much you contribute there will be times you feel underappreciated
Your spouse may take you for granted, and it’ll hurt
But this is a common dynamic in long-term relationships
It is inevitable to take for granted what someone does for us day in and day out
The key is to acknowledge it, communicate it, and try to reduce how often those feelings arise
Maybe your wife had a brutal day—her boss embarrassed her in front of colleagues, she lost a major client, or a duct she poured months into flopped
After a 12-hour day and a draining commute, she may not have much emotional bandwidth left to recognize everything you’ve done at
Try to acknowledge her situation and step up to do more when she's running on empty
Marriages are never 50/50
Be the parent who steps up when the other is struggling
At the same time, you might also take her hard work for granted
After the 20th 6:30 a
Client call, the 21st doesn’t seem a big deal
But maybe all she wants is one morning to sleep in without pressure or performance looming
When these feelings creep in, pause and reframe: realize how fortunate you are to have a spouse whose work allows you to stay and raise your children
Odds are, they’d love to trade places sometimes—to spend more time with the kids and less time grinding at work
Unless you’re DUPs, someone has to earn the income and keep the family’s healthcare covered
Appreciation can fade in the daily grind
So remind each other, often, of the sacrifices you’re both making—for your children, and for each other
Regularly go through the things you are grateful for. 4) Losing Money And Falling Behind In Your Career Will Sting The biggest dilemma is whether to sacrifice career for children or children for career
Ironically, you either have to be wealthy enough to stay or poor enough that working and paying for childcare isn’t worth it
Those in the middle face the toughest choice
I’ve given up millions of dollars in income to be a stay-at- father
This includes lost earnings from my finance career as well as from growing Financial Samurai
Since my son was born in 2017, I’ve deliberately chosen not to work full-time on the site
Had I committed 40–50 hours a week, I’m confident I could have significantly scaled Financial Samurai, increased ad revenue, and developed more ducts to sell
But instead, I chose to maintain a 15–20 hour workweek—hours that occur mostly before the kids are up or after they are asleep—so I could spend as much time with him as possible
As a result, it took several years longer to buy the ideal house to raise a family
Further, I've had to delay reaching financial independence once more
All Or Nothing Is Not Ideal As someone who helped kickstart the modern FIRE movement in 2009, I waited to have children until I could care for them full-time
I didn’t want to sacrifice my career for family in my 20s and early 30s
I worked hard to build enough wealth and retired at 34
But this all-or-nothing apach risks delaying parenthood too long
Biological challenges increase with age, and if you have kids later, you have less time with them
Losing parents before a child turns 25 happens often, especially since people are having children later and life is unpredictable
Since you’ll love your children above all else, it makes sense to want as much time together as possible
Luckily for older parents, there’s a simple, logical solution to make up for lost time: understand how much time the average working parent spends with their child each day, and then spend more time with your child until you catch up or even exceed that total by the time they turn 18
Because, as we sadly know, once our children reach 18, 80-90% of all the time we will ever spend with them is already behind us
Choosing Time With Your Kids Over Money and Meetings Because I gave up money and meetings before having kids, I certainly won't seek more money and meetings now that I have kids
If it takes three more years to hit a new passive income target without a steady job, so be it
I’m not willing to miss out on my time with them for any amount of potential income
Let’s break it down: If I earn $250,000 a year but pay $50,000 for a nanny, my income is $200,000, but really less due to taxes
Imagine sitting in 3 hours of meetings every day for 261 workdays — that’s 783 hours annually
I know this because I consulted part-time for four months and felt bad even missing out on one activity with my daughter
Now let's jack up that income to $3 million a year at a hot AI company after paying for a nanny, but before taxes
Since I'm a big wig now, I'm in meetings for 5 hours every day for 261 workdays – that's 1,305 hours annually
You can always make more money, but you can never get back lost time
So choosing your children over more money and career gression is logical
Some Great Benefits of Being a Stay-at- Dad (SAHD) We’ve covered the hard truths—feelings of isolation, less respect from other parents, a smaller paycheck, possibly a stalled career, and getting taken for granted
But luckily, there are also some powerful upsides to being a stay-at- dad
Let’s dive in. 1) Your Wife Or Spouse Can Never Call You a Deadbeat Dad If you’ve been with your wife and child since birth—attending doctor visits, washing bottles, handling meals, and taking the baby out so your wife can rest—it’s impossible for her to say you weren’t there
You’ve earned your stripes
When your wife feels more supported and rested, the entire family benefits
She’s less exhausted and more emotionally present
And if you have multiple kids, your ability to manage one or more of them for ext stretches becomes even more valuable
As time goes on and you build up “credits” from the time and effort you’ve put in, you’ll also feel less guilty asking for personal time—whether it’s a night out with friends or a weekend golf trip. 2) You’ll ly Develop a Closer Relationship With Your Kids A common fear is that even with more time spent together, you might still end up with a strained relationship with your children
Genetics, personality clashes, and differing interests can all play a role
But in my experience—and after speaking to hundreds of dads—there’s a strong correlation between time spent and relationship strength
Kids may not remember anything from ages 0–3, but they feel your presence
And after age three, their memories become er and deeper
That’s when your investment of time starts to pay off in tangible ways
You can reinforce those early years with photos and s, reminding them of how involved you’ve been since day one
That emotional foundation can carry into their own parenting values later on. 3) You’ll Catch Developmental Issues Sooner Working long hours or traveling frequently often means relying entirely on teachers and caregivers to monitor your child’s development
That’s fine—if those teachers are excellent
But not every classroom is led by a superstar, and not every nanny or au pair puts her phone away while engaging with your child
I once met the father of a second grader who was shocked to learn his daughter didn’t know how to read
I couldn’t help but wonder—how is that a surprise if you’ve been reading to her regularly over the past seven years
Unless, of course, he hadn’t been
That’s the kind of thing a stay-at- parent would ly have noticed much earlier
Being a stay-at- dad gives you the opportunity to catch developmental gaps early—before they grow into bigger, costlier blems down the road. 4) You’ll Have More Energy and Enthusiasm to Engage After a long workday, it’s natural to want to decompress: crack a beer, eat dinner, and zone out
During the thick of my Millionaire Milestones mo cycle, I often felt drained when picking up my kids because I had given multiple interviews and done multiple consulting sessions
It made me less motivated to coach them tennis or play imaginative games at
But as a stay-at- dad, especially when the kids are in school, your energy levels are higher
You can regularly take afternoon naps to be ready for their hurricane of energy and emotion when you pick them up
That extra enthusiasm can lead to more engaged parenting, whether it’s reading stories, building Lego sets, or practicing new skills. 5) The Days Are Long, But You'll Be Able To Slow Down The Years Though days can feel endless, the months and years pass quickly
But if you're a stay-at- dad, you can somewhat slowdown the years in retrospect because you won't feel as bad missing so many precious milestones
If you can, give being a stay-at- par.
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