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should I just stop thinking about it until it's closer to when my yet unconceived child will start school, or is it good to start planning way in advance

Just a thought - Homeschooling, which I advocate, requires a very different lifestyle than the other two. Homeschooling means you may not be able to have a two family income household...are you prepared to live on one income? If not, is that something that you are prepared to shift to? One income households require a simpler lifestyle since there is less income. Alternatives? Home-based business, or non-standard business during other than normal business hours.

As I said, just a thought

We weren't planning to have a two income home anyway - I was planning to be a full time mom for my kids even if they were away at a public or charter school. My mom went back to work when i was in fourth grade and from then on I came home watched too much TV and put off doing my homework. I don't want my kids spending that much time without a parent around - I don't think it's healthy for them or for my relationship with them. Besides, whether they admit it or not, even teenagers want their moms around, just out of their hair. :)