We feared the same, but since the family income reduced so did the tax burden and in addition we received tax benefits for having kids. In the end we had about

We feared the same, but since the family income reduced so did the tax burden and in addition we received tax benefits for having kids. In the end we had about the same disposable income. Also: It’s free money? You are legally entitled to childcare for kids 1-3 and can sue for loss of income. Also consider a “Tagesmutter”, finding the right one can be difficult but for high income people it’s usually not too much of a problem. If you have lots of space an au-pair might be sensible, the costs can again be tax reduced to some extend.