All of this MAT leave talk/feeling guilty

Kinsey • FTM/SAHM to an amazing baby boy! 💙
All of this maternity leave talk is so depressing.. My job allows 12 weeks unpaid leave, but I don't feel comfortable sending my brand new child to daycare before he can speak to me and tell me if something is wrong! My husband has said I can stay home with him, but I feel SO guilty about not contributing financially.. I've always paid my own phone & car payment, electric bill and half of the rent....Thoughts?????
I want to pay my phone bill and the electric bill 6 mo. In advance, to help ease the transition if I do stay home,before I give birth.
(I will have paid my vehicle off by the time my son is born, so he'll be taking on phone, rent/utilities and insurance by himself)