Since you’re aware that in her line of work, background checks are stringent, the best course of action is to resign right before she is terminated.

Based on what you’ve written, it looks like EIS is your concern while maintaining a clean record is hers. This is where your problem lies - I don’t see you using the word “we” in this case as a married couple.

You’re concerned about EIS because your income alone would not be sufficient to support your family’s lifestyle. She’s concerned about her future because she knows she still needs to get back to work after giving birth in order to keep up with the family’s current lifestyle.

I have good news for you. Restructure your finances, take out all the luxuries spending out and keep only the necessities. Have your wife resign just before she is terminated and once she has regained her health following her maternity period, she can start finding another job and you can resume your normal lifestyle, or better yet, tone it down a little as you’re likely living beyond your means without any emergency funds.

Edit: I hope this does not comes off as harsh, but I can relate to your situation. I was in a similar situation as yours recently, minus the pregnancy part. Luckily for me, I have a 6-month emergency fund I can tap from and completely restructured my finances and investments, down to the little things like reducing my phone plan, downgrading Unifi and cutting out almost all entertainment expenses (MCO helps) and I ended up still having positive cash flow even after losing a secondary source of income.

This post has been edited by Salary: May 19 2020, 12:28 AM