I am a work at home mom and I work very PT because we do need a few bucks with a kid in college and one going next year. And I sometimes want my own money, too, and pay my own car ins. and that sort of thing. I have, however, pulled from a small inheritance to keep floating. My taxes really stink. I am not contributing to my retirement like I should. I am lucky that DH has a good job.
I finally went freelance after my work situation got so terrible I was physically ill thinking about it. I did look for other FT work, but nothing came through so I started to freelance. One downside of WAH is that I'm always "on". Yesterday I took SD to an appointment, back to school, picked her up from school, went to the bank, spent time with DD, did house stuff and worked. PTA? No. I have a friend whose daughter is in a co-op preschool. While they have many benefits, I don't have the required time to spare right now.
I also know that there are very few jobs that will give me the 4 weeks' vacation I earned at the old company (new owners thereof caps you at 3 now) and that was after 6 years. I interviewed one place that was 2 weeks, forever and ever, amen. When I return (and I plan to), it will be an adjustment.
Do you have leave banked so you can get time off here? Try to make the most of what you CAN do vs what you can't. Your 13 yr old can help you with her own laundry. I wailed when I was 12 and my aunt got the brilliant (for her) idea to make her girls do their own...because that gave MY mom the same idea! But it worked out. Our teens do/did their own and frankly it helps. SD is also supposed to fold towels since she uses so many of them.
Take a real look at not just the finances (he has a point about the pensions) but your time. What is eating your time so you can't do some of the things you want? Can that be changed?