I haven't read any of your BS posts and I didn't see it actually spelled out in these terms in this thread so I'm unclear on few points...
1. Are you upside down in your mortgage? If you change jobs and take a severe pay cut will you be unable to pay your mortgage? If the answer is yes/no, this would mean defaulting on the house. If this is the situation, has she said point blank she is fine with that?
2. Would the job change make you unable to pay large sums of debt that you can't sell to get out of? You can sell homes if their worth equal to or more than the loan, cars, personal property, etc. I'm talking about equity loans, any other loans, CC, school, etc? If the answer is yes, has she clearly stated that she she is fine with that?
If this is indeed the situation you are in you would have to default on your house, file bankruptcy and lose all credit. This is not something any spouse should ever decide on on their own. This has to be a join decision where both go in with eyes wide open to the full short term and long term ramifications.
- When I worked I made 'X' amount of money. Because of certain circumstances I was making considerably more than the job would normally pay, the hours were set up substantially outside of the norm than the job would be anywhere else and many 'benefits' you would never receive anywhere else. There is zero chance I could replicate this with any other company. So my earning potential is not actually 'X', it's more like 'G'. (These aren't the real figures) I made $60k a year base salary, was a salaried employee with all of the benefits that come with be S (vacation, sick pay, health/life, 401K, consistent pay, etc), but was only required to worked PT hours in the office, was given generous leeway to work from home when needed, and received regular bonuses of $10-$15k per year. Absolutely anywhere else, I would either have to work 40+hours with a capped salary of maybe $40k to be a S employee, or work PT for $25-30k with no benefits and there would be 0 bonus. So my earning potentially is actually $25-30k / $40k, not $70-75k. This is a huge, monumental difference.
-(FT MW @ $7.25hr/$15K yr FT @ $12hr/25K yr -or- PT MW @ $9.5K yr PT $12hr/$15k yr) All of those numbers are before taxes! I have been out of the workplace for over 8 years, so the likelihood of me even getting worst case scenario up there is slim, it would actually be way less. So if I use the MW of $7.25hr or even a higher wage of $12hr = I could try to find a PT job where the hours were only while 3 kids where in school making approx $9.5-15k and have 1 in full time childcare, or I could find a FT job making $15-25k and have 1 in full time childcare, 3 in before/after care. Anyone looked at how much childcare is lately? I won't be getting a job anytime soon...unless we decide me bringing in under $75 bucks a week is worth the kids being in daycare.
I wrote all that out because I totally get what you're trying to say here (outside of any other previous threads), and sometimes things really need to be spelled out and broken down.
These are all HUGE things to consider, and not even remotely a decision you can make on your own. It's one thing to say, "Yes, quit that job no matter what". It's another to say, "Quit your job, default on our house, we'll file for bankruptcy, I'll work practically for free, we'll put the kids in daycare, and we'll decimate our credit; making it beyond difficult to get another house even if it's more affordable or pray that our credit isn't so bad we can't get approved for a rental". And that's all short term issues, long term isn't pretty either.
I'm not saying that option should be off the table, if it's what she's willing to do to have you out of that job, then it's what she's willing to do. I'm just trying to figure out if this is indeed the situation you're in, and if so, that this is what she has point blank said she's ok with. And if she hasn't said that in no uncertain terms, there is absolutely no way you can make that call on your own.
If you divorce, of course it's best for you to keep the higher paying job, not just for you but for her...again, that is her decision. If it were me and I was contemplating divorce, I would not want you to quit.
I can completely see why she feels trapped.
1. R. Keep job. Live with OW working there.
2. R. Change job. Massive life/living/financial changes.
3. D. Keep job. Better CS/SS. Better living arrangement for kids.
4. D. Change job. Worse CS/SS. Worse living arrangement for kids.
And that is a Shit Sandwich for sure. She's trapped because there is no right answer, it's having to choose between the lesser of 4 evils.
Now, if I'm WAY off base and a job change would hurt but not break you, then disregard my entire post above.
If you can still afford your house or could sell and break even, if you could then afford your debt without filing for bankruptcy and it just comes down to living tighter, then that's a whole other story. And a job change, no matter the pay cut, should start looking like a better option.
1. R. Keep job. Live with OW working there.
2. R. Change Job Downgraded/altered lifestyle.
3. D. Keep job. Better CS/SS. Better living arrangement for kids.
4. D. Change job. Worse CS/SS. Downgraded/altered lifestyle for kids.
This is still a Shit Sandwich, while it's not quite as putrefied as the other one, she would understandably still feel trapped...and it's a terrible feeling!
I'm the BS. My situation is similar enough that I can completely relate to your wife's feelings here. I've been choking down my own SS for over 5 years. FWH still works at the same place and so does MCOW, although interaction is minimal it is horrible for me. FWH has not quit/changed jobs because I chose a shit sandwich with mayo over a shit sandwich with cheese. While I've said, "You should quit that job!", I know I'm not willing to live with the consequences of my action to ask him to, so I don't really mean it...what I'm really saying is, "D*mn you for putting me in a position where these are my only options. D*mn you for putting me in the position where no matter what option I choose I feel like I'm settling. D*mn you for putting me in the position where every option open to me will hurt me and my children. D*mn you for making the choice to take the only option I really want, away from me."
Again, maybe I'm way off and this isn't the lay of the land for you two...