When making the decision to have kids, how much of it was financial? And how much of it was based on the state of your relationship, your housing situation, your career, and that loudly ticking biological clock? Or simply on emotion -- something in you just knew that now was the time?
I can't imagine that too many people make it solely a financial decision -- it's not like buying a house or opening a mutual fund. But I will acknowledge that you should probably give a little more thought to a baby's impact on your finances than, say, we did. Of course, if we'd toted up the numbers beforehand my first child, possibly, and my second child, certainly, would not be here, and that's a worse thought than the idea I may be living on cat food in retirement.
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