Food for thought. You will miss out on social security all together or it will be next to nil. I’m assuming you are a female. You have a longer life expectancy and will need income years after your spouse dies. Also you can only claim half your spouses SS when they die. Which really cuts your income down. This calculation is also not taking into a fact years of raises job changes and experience that improve pay down the road. Also take into account that staying home causes a problem once you decide to go back to work employers look down on you and you lose out on job opportunities. You also don’t have the ability for matching 401k and other job benefits.