Which is pretty much awesome.
Why? Well, because it means I get to be his boss! Thankfully, we have procrastinated filing the papers that we need to to make us a legitimate business. This has allowed us time for extra thought, and my brother Captain Fabuloso suggested that it actually makes sense for me to own 52% of the company and Murray to own 48%. He still would have an equal say in everything, BUT as a woman-owned business, we'd be entitled to more benefits.
In all seriousness, we are actually excited at the idea that Murray and I can work together full time on our business. This was actually our 10-year plan and it has now been bumped up to our immediate plan. We have so much to offer and we already know that we work great together. Here are the things we're looking forward to:
Saving money because we'll both be eating at home every day for lunch.
Having Murray home with Gulliver. What a treat for both of them! This also frees me up to go run errands and have business meetings, etc. during the day. We can switch off on Gulliver-watching duties depending on what either of us has going on at any given time.
Both being able to do what we love for a living and be our own bosses and decide for ourselves what we'd like to do. There is a lot of freedom in that!
Growing and exploring new options and finding new successes.
And of course we're not naively excited about this opportunity without being scared out of our wits of what it also could mean. Here are some things we worry about:
Not a steady source of income. Good months and bad months---can we pay the mortgage every month?
Healthcare and children. Did you know that individual plans don't cover maternity? There is a separate $6500 deductible for maternity and childbirth. So basically you pay for the whole thing unless something goes wrong. And of course you can work the system with supplemental insurance, but still. The whole insurance thing is a beast. (And Obama is our only hope!) Also, our original plan was for me to get pregnant in September. Now we have to wait until we find the right insurance to get pregnant.
Being in charge of paying taxes instead of having them conveniently come out of the paycheck.
I'm sure there are many other perks and a few other worries that aren't coming to mind right now. In any event, we're more excited than we are nervous. And to leave you on a high note......
11 comments:
That's the face that is going to keep me up at nights......well, scratch that, that's why Ambien exists, for me anyway.
Yay! Congratulations, Murray! Welcome to the freelancer pool. I promise you the benefits far outweigh the worries.
My husband is in a somewhat-similar position because he works as a contractor for his company. So no health benefits or other benefits. And it sucks when you're young and wanting to have children because buying insurance out of pocket is basically a joke when it comes to maternity coverage. Just don't get pregnant before you go insurance shopping--then you're in big trouble.
It will still be fun though--I love having my husband working at home and I love his flexible schedule. Family lunch time is the best!
On the one hand, congrats! On the other hand, I feel your pain. Owning a business is a two-edged sword, but if you do it together and are both committed to it, it can be great. And good luck with the insurance. We are facing that shortly when I quit my job and I have no idea what we're going to do...
YAY!
Wow. Good luck. I hope you're able to find insurance so you can make more adorable high notes. :)
Good luck! That should be fun and always feels so freeing. As for maternity stuff, look into the maternity card (a friend of mine did that) or go with supplemental. Eric and I use the supplemental. If you need an insurance guy I can refer you to ours.
Good for you. I'm still working on pimping you guys out. I'm a believer.
I forgot to say one thing about the insurance... if Utah is anything like Illinois, you could actually get group insurance for you and Murray. You would both sign up individually as employees of your company. It's a small group (obviously 2 is as small as you can get), but in a lot of ways still better than individual insurance. It might be worth looking into.
Haven't read your blog in forever but dropped in today. I'm excited about your new work schedule and sure hope that it all works out for you!! Glad to find another Obama fan. Unless you were being sarcastic...
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