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first time mom Janet on is taking a break from her law career to raise five month-old Ellie and says the cost of daycare or nanny will be a factor when she returns if the cost of childcare is going to eat up my entire salary then it might make more sense for me to just continue to stay home with her but economist Michael Matta wit says thats not always the best choice faced with the same decision after having two kids Matta wits built a wage calculator to measure the impact of staying home to care for his children he found the losses add up to more than just salary for moms and dads theres actually effects on how fast your wages grow over time and really docHub effects on what happens to retirement savings the calculator takes factors such as age gender current salary and how long you take off and tallies how much you will potentially lose in wage growth retirement benefits stock options and salary over your lifetime lets take the example of a 30 year old woman earning $50,000