Who is Making Your Lunch Today?

working lunchIn an old Peanuts cartoon Charlie Brown complains day after day because all he has to eat for lunch is a bologna sandwich. His buddy Linus finally asks him, “Well who’s making your lunch, Charlie Brown?” Charlie Brown solemnly replies, “I am.” This brilliant cartoon illustrates the fact that all of us have choices – about how we spend our time and our money. We may not want to believe it, but we are in full control of the choices we make.

Everything we do in life is a choice. Sometimes it feels like we have very few choices because circumstances seem to have us pinned down in our current job, but the simple act of getting up and going to work is a choice. Unless you live under communist rule you still have a choice whether or not you get up in the morning and head to the office, and you have a choice regarding your place of employment. Accepting that can actually make [tag]bad jobs[/tag] more tolerable.

Thank God it’s Friday! Oh God it’s Monday. I was once stuck in a bad job in a toxic environment. I was stressed out, burned out and basically fed up with my job. And then in a moment of clarity it occurred to me that I was making a choice every day to get up and go to work. Sure, I would be fired if I didn’t go. My family would lose our employer’s health insurance. A steady paycheck would cease to be deposited in my bank account. Our bills wouldn’t get paid and we would probably lose our car, our home and our other belongings. All those things were negative consequences of my decision not to go to work, but I still had a choice. Essentially, I was choosing to exchange my time for pay, benefits and the right to keep our stuff.

These same lessons apply to our finances. I’ve known many couples over the years who have been somewhat envious of my wife’s position as a [tag]full-time mom[/tag]. It does not come without sacrifice. However, my wife and I agreed early in our marriage that she would stay home with our kids until they were school age or beyond. The cost of daycare and employment-related expenses would make breaking even difficult, and getting further ahead nearly impossible. I choose to drive an older vehicle, take my lunch to work and forgo tech toys so my wife can stay home. She has put her educational and career goals on hold for the same.

Life’s too short to spend it being miserable. If you are stuck in a dead end job, or are working to make a car payment, consider setting yourself free by giving up some of life’s luxuries. Imagine a mother of two paying $800 a month in daycare expenses for her three year old and a newborn. At $15 an hour it will take over 50 hours of work each month just to pay for childcare expenses (actually, it will take over 70 hours when you factor her household earnings are in the 28% tax bracket). Then factor in the cost of a work wardrobe, a car, higher maintenance costs on that car, gasoline, eating out, etc. and suddenly you realize that mom is simply working to pay for the pleasure of working. Seems illogical doesn’t it? I certainly don’t begrudge couples who agree to both spouses working. I was raised by a single mother who didn’t have a choice. However, if given the choice, I would always vote for mom or dad staying home with the kids.

I would encourage you to reflect on the goals you have sacrificed because you feel financial pressure to stay in a bad job. Sell that car. Cancel the spa memberships. Stop eating out. Make those tough choices now so you can spend your remaining life energy going after things that are really important to you.


  1. Boy, did I need this post today. My day job is KILLING me. My husband and I have agreed that I’ll keep it until I pay off two debts, then I can quit and focus on writing full-time (which I truly believe to be my life’s purpose). It takes every ounce of strength I’ve got these days to get up and come to work knowing how stressful and frustrating it’s going to be. It really does help to look at as part of a choice I’m making that will ultimately allow me to do what’s important to me.

    Thanks again, and thanks for stopping by my site!

  2. Wow! You hit the nail on the head with that work/stay at home model. I made great money at my old job, after factoring in costs like commuting and child care it would actually COST me to work! I work from home on a very part time basis and make a few dollars here and there, but I wouldn’t have it any other way. I will gladly sacrifice some things to stay at home with my kids, after all they are only little once and I don’t want to miss a thing.

    We are blessed that my Hubby LOVES his job and makes great money at the company. He enjoys what he does and his being happy at work makes him happier at home.

    Take Care


  3. This is a great post and I completely agree. I often get comments about how people envy that I can stay home with my kids, but we made a true commitment to making this work and have given up a lot of luxuries to have a parent home with the kids. I have no regrets about that decision!

  4. I love this post, and am presently an at-home mom who works part-time from home. Our son will only be young once, and last time I checked there was no SUV or big screen tv that is worth more than the quality time we get to spend with our kid!

  5. I think it takes a real commitment to do what you’ve done in staying home with the kids, however, I think you and your kids will be better for it in the long run. My wife and I have already started talking about what we’ll do if/when we are blessed with children. We know it won’t be easy – but we want her to stay home as well. I just wish I didn’t have to forgo the tech toys though!

  6. The last several posts have really made an impact.

    If you do what everyone else is doing with their money, you’ll end up just like them. Observe the masses, do the opposite.

    We’re facing the same monetary dilemma with daycare. My wife could work full time and earn about $200 more a week than it would cost for daycare.

    Staying home and working only part-time, my wife can generate way more than $200 each month.

    @moneyloveandchange – you’re absolutely right! Your child will only be young twice – once now and once again during those dreaded teen tantrums. 🙂