I have finished my studies as quickly as possible for this very reason and am now working primarily so that I am not dependent on my husband. I have just seen it again in my environment... Mom with 3 children, the youngest still under 3, at home for almost 10 years, separated from her husband, things are going very badly, he doesn’t even pay for the children let alone for her and she is now in a really bad position. You probably don’t want to experience that. Not even being able to get an apartment in such a situation because the ex doesn’t pay but also doesn’t want to give up the shared house, you can’t get an apartment without a job and with 3 children, etc., my personal nightmare. She can forget her planned studies now (by the way, she supported him for years with his studies alongside his full-time job). Of course, all this will be resolved in the coming months, but it has been dragging on for a while. Until a judge orders/seizes something, until things calm down again, until normality returns – finding a daycare place, settling in, the two older ones are still there, looking for a job, finding an apartment, etc. But again, everyone has to decide for themselves what to do – if she at least had a fixed part-time job, she could at least first look for an apartment with the children. For me, however, besides my own self-esteem and the pension issue, that is the most decisive point in favor of working.