Childcare is one of the largest expenses families face today. The 2025 Care.com Cost of Care Report shows national childcare costs rose about 12%¹.
When your income feels stretched by rent, groceries, insurance, and childcare, it is natural to consider quitting your job to save money. But before making a major life change, it is important to understand the full cash flow picture.
Evaluate the true financial impact of quitting, explore lower cost childcare options, and make decisions that support both your family and your long-term-financial independence. CakeClubⓇ helps you understand your real numbers so you can make confident and informed choices.
Start by Calculating the Real Cash Flow Impact of Quitting Work
Leaving a job affects more than your income.
• Use the CakeClub app to compare your full take home pay against monthly childcare expenses.
• Include health insurance premiums, retirement matches, bonuses, and career growth lost by leaving the workforce.
• Consider the long-term cost of stepping out of your career and re-entering later.
A 2025 Pew Research analysis found that leaving the workforce increases long-term earnings gaps especially when stepping away for caregiving².
Explore Childcare Options That Reduce Cost Without Reducing Quality
Quality matters, but cost flexibility exists.
• Compare multiple childcare centers and ask about sliding scale rates.
• Explore part time or hybrid schedules.
• Consider in-home daycare, which is often less expensive.
• Ask trusted family members for support a few hours or days per week.
The U.S. Department of Health and Human Services found in 2025 that mixed care arrangements reduce childcare costs by an average of 18%³. If you are spending $10,000 per year in childcare, this is a savings of $1,800.
Saved and invested, this amount could grow to tens of thousands for your retirement or financial freedom.
Negotiate or Modify Your Work Arrangement
Your employer may offer more flexibility than you realize.
• Ask about remote work options.
• Explore adjusted hours or split schedules with your partner.
• Review employee benefits for dependent care accounts or childcare support.
The 2025 SHRM Workplace Flexibility Report found that 68% of employers offer some form of flexible scheduling⁴.
Share Childcare Costs Creatively
You do not need to manage childcare alone.
• Form a childcare share with other parents.
• Coordinate alternating shifts with your partner.
• Split after school care with trusted neighbors or friends.
Community based support can ease costs significantly.
Balance Care and Cash Flow
Quality childcare is worth prioritizing even if it requires short term sacrifices. Children thrive with safe, reliable care. Parents thrive when supported emotionally and financially.
But quality care does not always mean the most expensive option. Explore every path. Compare costs. Get creative.
Mastering your cash flow means making the best decisions consistently using clarity and purpose.
Let CakeClubⓇ Help You Build a Plan That Works
The CakeClubⓇ app helps you:
• Track childcare expenses across your full lifestyle spending.
• Model what quitting your job would mean for total cash flow.
• Identify hidden spending you can redirect toward childcare.
• Build a long-term financial plan that supports your family’s goals.
You can support your child and your financial well-being at the same time. Clarity brings confidence. Confidence brings stability.
Sources Cited
1. Care.com. (2025). Cost of Care Report.
https://www.care.com/c/cost-of-care-report/
2. Pew Research Center. (2025). Workforce Participation and Caregiving Report.
https://www.pew.org/en/research-and-analysis/articles/2019/08/12/careers-and-caregiving-compete-for-employees-hours
3. U.S. Department of Health and Human Services. (2025). Childcare Affordability and Access Study.
https://aspe.hhs.gov/sites/default/files/documents/c5e0f2838a22c21788aa03f06ce3bbdc/aspe-brief-health-care-child-care-costs.pdf
4. SHRM. (2025). Workplace Flexibility Survey.
https://www.shrm.org/about/press-room/flexible-work-benefits-slightly-decline--while-healthcare-and-re
