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daycare-vs-stay-home

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Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons instead of one brutal year. Use when asked does it make sense for me to keep working, daycare costs my whole salary, stay-home vs daycare math, or what does leaving work for 5 years really cost. Produces both sides of the ledger from the script, the horizon comparison, and the decision sheet that lets the non-financials vote.

skills/daycare-vs-stay-home/SKILL.md

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# Daycare vs Stay-Home Skill

"Daycare eats my whole salary" is usually computed wrong twice: it compares childcare against *gross* pay (marginal taxes were eating part of that anyway), and it prices exactly one year of a decision whose costs live in the following decade — the raises not compounded, the re-entry discount, the retirement match not collected. This skill runs both sides honestly: what working *nets* this year, and what stepping out costs over the horizon. Then it hands the decision back, because the spreadsheet gets a vote, not a veto.

## What This Skill Produces

- **This year's ledger** — second income minus marginal tax, childcare, and work costs, plus the match: the real net, from the script
- **The horizon view** — earnings forgone over the years out, and the re-entry salary vs. the never-left trajectory
- **The middle options** — part-time, one-parent-flex, cheaper-care mixes — sketched against the same ledger
- **The decision sheet** — money on both sides plus the non-financials, with their explicit permission to win

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