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Put everything you can into your 401K contribution since you can't contribute once you're not working
Pro
Following, ashamed to say I have only one 4 yo but I am at the point where I just can't go on anymore with constant work priorities and my son not getting the best of me
No @ Intel1 Gen X ruined the economy so now Millennials and Gen Z HAVE TO work to be able to barely own homes, buy groceries and support families. Why are you even here? Are you a parent at work? Obviously not.
Can you take FMLA ? It’s unpaid but protects your job. Check with HR
Can you work part time instead or limit your hours? Does your salary exceed the cost of day care?
How dare you allow your multiple young kids to work full time?
Have you read The Power Pause? It’s great
If you have an FSA - make sure to use all the dollars of your annual election. For example, if you elect to have $1k withheld for 2026, you can use that entire amount in January and quit in January, only having a fraction of that $1k withheld. You don't have to pay the difference back to the company.
Yes, yes you can. That's literally what I'm saying. You should do some research into it, even a quick Google would show you are incorrect. This is very FSA specific though, this does not apply to HSA. Your employer eats the difference.
It doesn't really impact the employer big picture because so many people forfeit FSA funds each year (amounts exceeding rollover limits or they leave the company without using funds). The forfeitures more than offset it.
I used all of Fmla with maternity leave
Pro
Family medical leave
Just make sure to leave on good terms, if you’ve done the math and you’re able to afford to leave, I say make the leap! Hopefully my situation will encourage you! My spouse & I both continued working, it made sense financially when our first and second were born a year apart in 2017&2018 but that Covid summer of 2020 when childcare costs started to increase by 15% YoY we ended up with childcare costs for child #2, #3 & #4 far exceeding the excel model I built 5 yrs prior! At that point it didn’t make sense for either of us to leave our careers we were more than halfway through that first 5 years…counting down to each of our younger 3 entering kindergarten in ‘22, ‘25, & ‘26, so we were running at a bit of a deficit from ‘21until this month when #3 started Kinder!! In retrospect it would have made sense to leave the workforce for 5 yrs!
Pro
I took off after my 2nd was born. I loved it. I did that until cobra ran out. Then I worked part time and paid for insurance. That was a true win-win. It was a job share position in the hospital I was working in.
Yes, cobra is expensive but I wouldn’t have done it differently. Good luck!
Maybe a sabbatical. Disclaimer: this is not legal advice.
Sign up for extra long term disability during open enrollment and get your primary physician to pull you off work for mental health reasons, exhaust your FMLA and then go to short term and then LTD so you keep getting a check while raising your babies. You’ve paid enough into the system, be strategic. Post Partum depression is real and you should have a break to spend time with your kids without financial backlash.