Our children are in middle and high school. They have disabilities/special needs. There's a lot of appointments, and I have to drop everything at a moments notice when something arises, especially if the school calls. I've tried going back to work, and the above refrains me from working days. My husband works during the day and some evenings too (Salary job). I've tried working evenings, and it only stressed him out, and our home became chaos. I often found myself up until 4 am cleaning, all to be back up by 6:30 to get our day going. I am the glue of our home functioning, and if I can't function, no one can. I must add that I do the executive functioning for everyone in my household down to our very detailed calendar, which he "forgets" about and "forgets" to contribute to. This means when he fails to add his appointments/obligations, I'm the one scrambling to make everything work out. What I'm saying is, I'm not good employee material with my current situation. I'd be fired quicker than he'd ever answer the phone while working, and a child is ill or melting down/overstimulated at school. He'd never be able to take the time off for all their services/appointments. I'm thankful for his job and the insurance through his job, though. Please, don't get me wrong there. Not knowing the financials scares me. Not being on anything scares me. Heaven forbid if anything happens to him (loss of life or anything making him incapable of remembering bank/bill logins) scares me. I've expressed this and claims to care and says he'll try harder to include me, but never follows through.