In yesterday's New York Times was a story about highly educated women who have been stay-at-home mothers, but who are now being forced by the recession - and specifically by their previously well-compensated husbands' downsizings and layoffs - to seek full time employment for the first time in many years. The story features several women who were able to find jobs in their fields (law, banking) relatively easily, even after as much as a decade away from their careers. It also features an interview with one longtime homemaker - a woman who previously had a successful legal career - who has been forced to start her climb back into the workforce with an unpaid internship at a law firm.
Ouch.
The story's tone is generally positive, tacitly assuming that most women who want to get a paying job can do so without too much trouble. The piece focuses more on the hardship of having to get a job at all, rather than on the more realistic hardship of being unable to get a job when one is needed, much less a well-compensated job in a super competitive field like law or finance. The story also references a much-discussed 2003 New York Times Magazine, Lisa Belkin-penned piece titled "The Opt-Out Revolution," which profiled a group of women in this exact same, rarified demographic who were "opting out" of the careers for which they had trained in order to be at-home wives and mothers. (I'm a Lisa Belkin fan; so don't take my essay questioning the wisdom of her interview subjects' decision to "opt out" as criticism of her or her writing.)
When the "Opt-Out Revolution" piece came out, I was newly divorced after almost a decade of being a mostly at-home wife and mother myself. I was 34 years old, unemployed, a mother of three, and for all intents and purposes, I was completely penniless. The divorce ate up my share of whatever modest property and savings my ex and I had managed to accumulate by that point in our lives, and I found myself starting over with literally nothing. I didn't even have a real bed - I slept on a futon on the floor for the next three three years. Family help sustained me until I was able to find a real job with benefits, which took several months, even in that very good economy. Thank God, I had done quite a bit of home-office-based, high-profile freelance and contract work over the years, which made it possible for me to land that first job, because if my resume had been blank for the past almost-decade, I would have been in a world of hurt.
After the experience of finding myself starting completely over at age 34, I had a sort of Scarlett O'Hara moment,in which I promised myself that I would never, ever again depend so much on anyone else to provide financial security for me. I had always been hardworking and ambitious, but I found myself with a new, very intense drive to succeed in having a career that would protect me and my kids. I was completely traumatized by that first Christmas season after my break-up, when I found myself unsure how I would both eat AND buy even the most modest of gifts for the kids during my half of the shared-with-their-dad holiday break, when they would be home full time with me. Never again. I thought to myself. Never, ever again.

And then I read that New York Times Magazine piece, about all of these smart, successful, well-educated women making what I now realized to be an extremely risky choice to simply walk away from their own incomes and careers, and place their total financial futures - including their health care access and their ability to retire with dignity one day - into the hands of other people: their husbands. So I penned a response to the "Opt Out Revolution" piece, which appeared in a couple of online publications, offering the perspective of someone (me) who had done a version of the "opt-out" thing. In this rebuttal essay, I shared my thoughts on why women should be very, very careful about making such a weighty decision.
I ended my essay, titled "The Case Against Opting Out," with this:
"As I read Belkin’s
article, I shook my head sadly as I applied current divorce statistics
--including the rise in no-fault divorce and the virtual disappearance
of alimony from most divorce settlements -- to her interview sample.
Odds are that around half of the happily fulfilled, college-educated,
para-homemakers she interviewed will find themselves single at some
point in the next decade, at which point their choice to “opt
out” of their formerly promising career trajectories may also
mean that they have “opted out” of not only the lifestyle
extras they seem to take for granted, but also fundamentals like
a house, health insurance, and retirement funds.
Let me be clear: despite
my current circumstances, I don’t regret the many personal
benefits my kids and I gained during the years I worked less and
mothered more, but the plain fact is that my choices have left me
at a distinct economic disadvantage at a time in my life when I
always assumed I’d be “all set.”. What I wish
I had known then and what I do know now is that the years I spent
primarily concentrating on being a mother and wife didn’t
represent anything more than one phase among many in a working life
that will, by today’s economic necessity, span my entire adult
life.
While Lisa Belkin and
her interview subjects may believe that they have “opted out,”
the reality is likely to be much less clear cut for them as their
children grow and many of their marriages end. Ten years from now,
I suspect that we may be hearing from a new group of suddenly single,
50 year old, college-educated women who haven’t held a paying
job in a decade about a new and fascinating trend: the “I-was-only-kidding-and-I-really-need-to-opt-back-in
Revolution.”
So it turns out that I was kind of right in predicting the boomerang, "I really need to opt back in" trend, only it's been only six years since I made that prediction, not a decade. And as it happens, it's the bad economy, rather than divorce that prompted the cultural-bellwether-that-is-the-New-York-Times to revisit this topic. But divorce (or death of a spouse, too) still matters a lot to this discussion. In fact, since I wrote my essay in 2003, I've had the unhappy experience of watching several women-friends find themselves getting the seriously short-end of the financial stick following marital dissolutions. Prior to their marriages ending, they each had some pie-in-the-sky misunderstanding of how division of property and income would work in the modern divorce system. They believed that they would receive fair credit for giving up their own careers in order to put in years of hard work to be the primary caregivers to their children. They believed that in a divorce settlement, they would be provided with sufficient financial support to cover the time it would realistically take to find a good job after being at home for a long time.
In each case, however, these women's soon-to-be-ex-husbands took the position during divorce proceedings that they - the husbands - had literally begged and pleaded with their wives to "get a job" during the years these women were stay-at-home mothers to these men's children. The men gave this version of the story - instead of telling the truth - which was that their wives did the messy, unpaid, unappreciated home-based work that raising a family requires so that these guys would never miss a day of work for a sick child, and so that they could have the time to build a successful business, or make partner, while still getting to enjoy being fathers (when time permitted between late nights at the office and weekend golf games.) As a result of their soon-to-be-exes sudden disdain for stay-at-home mothering - disdain that only arose when the divorcing men were faced with sharing the profit from the business or law firm partnership they built while their wives took care of home and hearth - several women I know not only did not receive fair compensation for their time on the job as stay at home parents, they were instead explicitly punished in the settlements for the fact that they had "opted out." One stay-at-home mother I know was even lectured directly by the judge in open court for having been "too lazy" to work at a "real" job during her now-dissolving marriage.
These personal, anecdotal observations of friends' experiences since I wrote that essay six years ago have only served to strengthen my belief that mothers need to be very careful about leaving a good career completely behind. And this new twist - women being suddenly forced back into the workplace due to the bad economy's impact on their husband's jobs - offers further support for my view that there is nothing revolutionary about completely "opting out." Instead, for many women, it's simply the best of bad options, and one that won't look very pretty when these women are ready to retire...on nothing.
What would be truly revolutionary would be a real Mother's Movement in this country, in which meaningful grassroots organizing would actually be taken to the voting floor by the women who represent us in Congress and to the boardroom by the female executives in the companies that employ us. Together, as mothers, we should be building support for the family leave, affordable health care, and child care options that would make this entire "opt out" conversation moot. We need universal, paid family leave that allows one parent sufficient time at home to care for an infant, and we need more career-track, part-time jobs with real benefits, so that women with babies and young children don't have to make a potentially life-altering choice between immediate family needs and longterm financial security. Further, we need a well-coordinated system of public and private childcare that allows the many women who "opt out" of paying work altogether following the birth of their children - simply because they can't find or pay for acceptable care - to make their choices based on the bigger picture.
Longterm, total (meaning no paid work of any kind over a period of years) stay-at-home parenting is a wonderful choice for many mothers, but women need to make that choice with a clear view of the longterm ramifications and risks. If I were going to stay home full time with a child at this point, and step completely out of my paying job for any period of time beyond a year or two, I would ask my partner to sign a legally binding agreement that would specifically lay out how my work at home would be valued in a divorce settlement, should the worst happen. Maybe that sounds crazy to some of you, but I suggest that you take a look at the statistics. Is it crazy to have car insurance, even though you are far more likely to end up divorced that you are to end up involved in a serious auto accident? I don't think so.
Have you opted out? Or subsequently opted back in? Have you been forced to start completely over folllowing death or divorce?
Talk about the whole "Opt Out" controversy in the comments below.
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