Which language to use at home with baby?

You may find this thread useful:

I’m from a non-English speaking country, and my wife is Taiwanese. We have three kids, ages 4yo, 2yo and 6m. My wife can also speak my mother language, so we all try to keep our conversations in my mother language when I’m at home.
Kids are picking up quite well, but they tend to prefer to speak in Mandarin when they started to go to kindergarten.

Addressing your options:

No and no. It will only be artificial if you don’t feel natural speaking the language. And kids may find easier speaking in one language vs the other, but that doesn’t mean they will favor one parent over another. Just don’t cave in if they insist in not using the language they are supposed to when talking to one parent.

Even if they go to a full English school (which can be expensive) not all staff will be native speakers. It can or not be an issue, depends on how much you mind about accents.

I think that’s the best option. Cheaper and get all your bases covered.

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