I’m making $5K/week as a freelancer but have accepted a job that pays $132K/yr or $2500/wk after tax. I accepted the job because I’m pregnant and want best coverage for healthcare and maternity leave. I’ll be able to keep both jobs for 2 months but will ultimately need to stop the freelance work. Does this plan make sense?

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Are you sure you will get the paid maternity benefits? Some places do give this automatically / at day 1, but many employers make it so you can only take paid leave after 1 year of tenure. If you are already pregnant that timing likely won’t work for you. I recommend getting explicit confirmation to be sure.

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What type of job freelancing??

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User research

Did you compare the health care coverages? If you’re in the US there are some plans on the free market that are ~ similar in cost and coverage.

Either way if you can work two jobs as long as you can, that’s a good plan. Plus look at the paid maternity leave

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It would depend on how much your take home is for the freelance gig and what the trajectory is from a long term perspective. If you can continue to make 20k/month on freelance in general and are savvy with your deductions (as there are many ways to be), the freelance may make more sense. I would break out the ole’ excel and look over a 3 year period calculating savings on healthcare vs marketplace, 401k benefits, bonus structure etc. against your current pay and however long your maternity leave coverage is. If you have a spouse/partner involved, I would also look at their trajectory to see if there is a potential for you to be on their plan at some point or for them to switch to a job that has good benefits assuming you’re the bread winner purely on salary.

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Thank you. I guess my next step is to do the work you mentioned, thanks, this really helps.

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Same points as above - also can you get on your spouse’s health insurance plan instead?

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