I am a financial planner. Most of the time, I make plans. I make plan for my retirement, for my client, for my investment strategy, when I start a daycare at home, when I do home renovations, when I start a company. I love to make plans. However, the funny thing about plans is that they sometimes seem to be the Financial Chaos Theory puppet. It seems that you can spend your whole life making plans that will fall one after the other
It’s okay ‘cause I am good with chaos. I actually got that nickname when I was a kid. Chaos would not exist without planning and planning would not exist without Chaos. This is an interesting balance.
So, Chaos knocked on my door once again over the weekend. We are not starting the daycare at home anymore. Say what? I asked my wife. “I changed my mind”. Hum… that sounds very familiar hehehe!
However, I must admit that I have to take my share of responsibilities in this mind turnover. I am actually trying to convince her of having a third child (since we are at it!). The thing is that if she keeps her job and she becomes pregnant, she will automatically stop working (because her job is too dangerous for the foetus health) and still get paid. Therefore, she will get 21 months paid at 90% (9 months), 70% (6 months) and then 55%(6 months) of her pay cheque.
By that time, I would probably be able to tell my wife that she can stay home forever! My job is going well, the internet company is growing, everything is in place so she can stop working and take care of the kids.
I was actually thinking about having another one for a while now. However, I had to make sure that the financial advantages were not the main reasons why I wanted to have one right away. It obviously played a role in my decision. However, it was important for me to make sure I was not mainly benefiting from the fact that my wife could stay home as of 2009 without any other effort.
So plans are plans and reality bites you in the neck when you are about start a new project! So the daycare is ready but we are not anymore. The good news is that we have the option to start it whenever we want (and that I now have a 5’ X 3’ full ceramic shower and my basement!!!).
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