My (28 F) husband (38 M) cannot comprehend how expensive a child is — how do I get through to him?

In a Chicago apartment, a woman’s heart aches for motherhood, but her dream stalls against her husband’s stubborn belief that their modest income can sustain a child. Earning more but carrying the financial load, she faces a wall of inertia from a man content with less, threatening their shared future.

This Reddit user’s plea, raw with longing and frustration, lays bare a marriage at a crossroads. Her story, set in the costly urban sprawl of Chicago, draws us into a clash where love grapples with practicality, and dreams hinge on tough choices.

‘My (28 F) husband (38 M) cannot comprehend how expensive a child is — how do I get through to him?’

Hi, I want to be a mom more than anything. I am the breadwinner in our household (55k/yr) and my husband makes significantly less than me (30k/yr). I know money isn’t everything, and I certainly don’t bring in a lot of money, but I am ready to be a mom and the only thing holding me back is my husbands refusal to look for a better job.

He is smart and competent, but for some reason he thinks we can raise a child in chicago on 85k/yr. We don’t even make enough to have a robust savings account. I feel like our relationship is at a standstill because of this, and my heart really aches because this is the only thing standing in our way.

I try to tell him all the time how expensive it is to have a baby here even in the first year alone not to mention the additional medical, grocery, and educational costs down the line. He thinks we can do it on our income because his family was able to do it on less in the rural southwest with 7 kids in the 90s, but he seems to be ignoring the fact how much more expensive chicago is overall.. how can i get through to him?

When one partner’s ambition lags, dreams like parenthood can feel like solo pursuits. This woman’s push for her husband to earn more reflects a stark reality: raising a child in Chicago demands financial muscle their $85,000 income can’t flex. Dr. Terri Orbuch, a relationship researcher, notes, “Financial misalignment is a top predictor of marital strain, with 40% of couples citing money disputes as a core issue” (The Love Doctor). His reliance on outdated rural benchmarks ignores Chicago’s costs—daycare alone averages $15,000 annually (Care.com).

His low wage at 38, barely above minimum, suggests a deeper aversion to change, not just optimism. Reddit’s skepticism about his desire for kids aligns with this: passive resistance can mask disinterest. The age gap, flagged by commenters, may amplify power dynamics, with her youth tethered to his complacency. Studies show 30% of breadwinning women feel trapped in unbalanced roles (Pew Research).

Orbuch advises a concrete approach: a detailed budget, like Reddit’s spreadsheet idea, to visualize costs, paired with couples therapy to unpack his resistance. She might explore higher-paying roles herself, while readers could map their own financial goals with partners.

Here’s the comments of Reddit users:

The Reddit crew swung in with blunt advice and sharp questions, mixing empathy with warnings. Here’s their unfiltered take:

FatSadHappy − put a spreadsheet of expenses. Estimate different scenarios - you get on bedrest and can't work, you can't return to work right away, child needs non standard daycare and he needs to be SAHD. add college plans

BriefHorror − You're married to someone who doesn't understand money. How are you not terrified?

lovebeinganasshole − Does he not understand inflation? The reality is that at $85,000 is only worth roughly $41,000 in 1995 dollars. Said a different way, in order to have the same buying power as $85,000 in 1995 today you would need to make approximately $175,000 in 2024.. ETA. Kind of sobering really. Feeling like I’ve been apparently treading water for 30 years.

Charming_City_5333 − you mean a a 28 year old is more mature than the 38 year old she's dating? why do you think he dated you?

UsuallyWrite2 − How is he almost 40 and making 30k? Does he work PT or something? That’s 14 bucks an. hour if he’s FT and you can make more than that working at McDonalds or a local gas station. You’re right. You cannot in Chicagoland.

Just diapers alone will break your budget if you don’t qualify for Medicaid and WIC. Which I doubt you do with your combined income. Are you sure he even wants kids? Especially at his age? Is he maybe not looking for better work because he’s trying to wait you out?

TripleA32580 − Daycare in Chicago will cost about as much as his after tax salary. Does he know that?

Ok_Introduction9466 − Ugh, he’s 38 and you’re 28. He is with you because he knows he can tell you he thinks $85k is enough for a baby and you’ll believe he really thinks that. He is damn near 40 and only making $30k a year and refuses to try to make more. He’s doing that on purpose lol it’s a choice. He’s lazy and probably doesn’t care either way if you have a baby or not.

He thinks you’re not going to leave him. He has already told you he doesn’t want to find a better paying job. He is going to have you not only take care of this baby all by yourself but you’re going to take on most, if not all, of the financial burden. You’re setting yourself up to be a single mother.

There is nothing wrong with that, I am one, but there is no sense in being a single mom with a useless adult also in your space while you do everything. At this rate, you’re better off finding a higher paying job and footing the bill yourself and going with a sperm donor. That is literally what he is setting you up for if you have a baby with him.

Listen, there’s no such thing as potential. You married a guy with no ambition and want to make him the kind of man who provides and has career aspirations. If that’s what you want in a husband you’re gonna have to go find him. You need to look at what’s in front of you right now and decide if this, who he is today—because that’s who he’ll be tomorrow, is the person you want to raise children with.

Think about it long and hard because once you have that kid you can’t go back, you’re stuck with this man for life. It doesn’t stop at 18. You’re gonna have to see him at your kid’s wedding (that he won’t help pay for), when your kids have kids, holidays, you name it. Don’t make this decision lightly and believe your partner when they tell you who they are. Good luck.

ChickenScratchCoffee − I would be very turned off by a partner who refuses to better themselves. Teens have jobs for 30k, he is almost 40 years old. I would divorce and find a person who is worth growing with. This guy is going to hold you back in every way.

[Reddit User] − If you wanted someone who had big career aspirations and wanted to make more money, why did you marry someone 10 years older than you, who makes 14 dollars an hour?. Don't marry someone that you want or expect to change. He is who he was when you married him.

SoundMany7012 − i would genuinely get the ick. does the think the cost of living is the same as it was back then? unbelievable.

These Redditors don’t mince words, but do their critiques cut through? Money talks, but inertia stalls—can online wisdom spark change?

This woman’s longing for motherhood, dimmed by her husband’s financial denial, is a stark reminder that love alone can’t fund a family. Her fight for a secure future challenges us to confront our own dealbreakers. What would you do if a partner’s complacency threatened your biggest dream? Share your thoughts—let’s dive into this tug-of-war between heart and wallet.

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