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Why 30 is not the new 20 (1 Viewer)

I got married at 22 and had my first child the day before I turn 25. I'm 30 now, and I'm really glad to started marriage and kids young, but I must admit that seeing a lot of my friends single, traveling and living it up in their 20s was a little bit of jealousy for me.

It's funny, because people thought I was too young to get married and to you and have kids. And for a lot of people, I guess it's true. But historically, lots of people started their career, marriage and childbearing ages in their early 20s.

I do believe that culturally in America, the 20s is sort of an extended adolescence. I don't think people should rush to get married or start a serious career, but there are a lot of things one can do in their 20s to really set themselves up for the rest of their lives.

 
I don't know if 30 is the new whatever, but I am happier and in a better mental state at 30 than I was at 20. Sure, I partied more at 20 and lived for the next drink, girl, and it was a blast, but there was always some underlying unhappiness, frustration and worry over if I would ever accomplish my ambitions. Now, I am content, successful and am crossing off life goals.

 
20 was awesome. Unfortunately I have an odd condition where my penis never stops growing. For a while I used a special fanny pack that I wore in front like a QB's handwarmer and just coiled it up in there, but now it's too big.

 
20 was awesome. Unfortunately I have an odd condition where my penis never stops growing. For a while I used a special fanny pack that I wore in front like a QB's handwarmer and just coiled it up in there, but now it's too big.
Unfortunately, I was born with the opposite of this syndrome... My penis was longer than my legs at birth, however as I get older it keeps shrinking. When I turn 70 it'll be inverted. It also appears my nuts will be hanging about 4 feet by this time.

 
If you drop down below the video the 1st post I came across summed it up for me, not sure I really get the speaker's point or what the revelation is.

The article someone sent to Ivy League women a couple years ago was a lot stronger, basically encouraging those women to try and lock up the best of the best because potential ideal male companions after college drops sharply.

 
My 20 year old daughter sent me this today. Said she was very inspired by it. Discuss.

http://www.ted.com/talks/meg_jay_why_30_is_not_the_new_20.html
I turned 30 over the summer, and this video is a freaking home run, thanks so much for posting. I subscribe to everything Meg Jay had to say in the points that she made, just never was able to condense it as well as she did in the presentation. The three points she makes in the latter part of the video were really well put in terms of identity capital with your career, exploring your weak links, and picking your family.

 
So last week we had a board prep meeting at a hotel in Birmingham. Turns out that a 1 day meeting turned into 2 1/2 days of us being stranded at the hotel. So we got to bond a bit at the bar. The Chairman of our Board sold his first company for over a billion, is brilliant, is even keeled unlike some CEO types, etc. I respect him a lot. He is my age, has 3 kids in their late teens, early twenties. He brought up that all kids are different, some are self driven while others may need a nudge, the battle of our generation enabling our kids to delay adulthood, etc. He had one kid that really lounged around, couldn't see past Friday and acted accordingly. I asked him what he did. He said:

"The absence of choice liberates the mind".

Between this video and his statement it hit me between the eyes.

 
I was going to post a new topic, but I think this might be the perfect one to fit this in. I haven't watched that video yet, but from what others have said I would probably agree with the points she makes.

I'm getting married in May. My fiance has always wanted to try to start a family right away, and I was fine with that. I'm ready for it, she's ready for it. However, she's come to the realization that she can't (or really doesn't want to) work full time until the kids are in school. She's fine with working part time. Her reasoning is that she is a pretty anxious/stressed person (true, but not a headcase) and she wants to be able to be there for our children. Her work right now causes a lot of her current stress. I had a hard time understanding this at first and thought she was being selfish, but after thinking about it I do get where she's coming from and want the best for her and our family.

We plan to at least have 2 kids with a maximum of 3. Now I'm sitting here wondering how the hell we're going to afford that. I make decent money, and together we make decent money, but I seriously question whether we can support another human (or 2 or 3 down the line) with only my full time salary and her part time salary. Maybe if she got a job where she's happy she'd feel differently about working full time? I brought this up and she said "Maybe", but then there's still the issue of her having enough time with the kids. Sure, her working part time would save a lot of $ for child care expenses as I'm sure her parents would look after the kids when she's working, but we'd still be better off financially if she worked full time. One other point I'll make is that there are part time jobs available in her field (foster care, mental health counseling, therapy), so it's not like she'd be flipping burgers.

I really don't want to delay starting a family, and either does she, but I just don't know if it's going to be possible with 1.5 paychecks coming in. When I don't feel like arguing about it or want to make her feel better I just say "We'll figure it out." I'm sure we will, but all I can think about now is "How?" I've got to be honest, sometimes she watches that '16 and Pregnant' show and it makes me feel a little better. If those brats/hooers can live a somewhat functioning life with 1 or 2 kids then I'm sure we'll be fine.

Any advice would be greatly appreciated here guys. I have a lot more thoughts on all of this, but I think I got enough of the story out right now and maybe I'll divulge a little more later.

 
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*Didn't intend on hijacking the thread. Just looking for opinions. I'll watch that video later. Maybe it'll help?

Also, I just turned 32. My fiance is 31. We've been living in our new home for 7 months now.

 
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*Didn't intend on hijacking the thread. Just looking for opinions. I'll watch that video later. Maybe it'll help?

Also, I just turned 32. My fiance is 31. We've been living in our new home for 7 months now.
I think you two are at the perfect age to start a family. Yes money is probably the biggest concern these days when making that decision but it doesnt have to be a financial burden unless you intend on spoiling them. When you are really forced to you find incredible ways to stretch money

But overall make sure you guys decide and commit to a plan beforehand

 
*Didn't intend on hijacking the thread. Just looking for opinions. I'll watch that video later. Maybe it'll help?

Also, I just turned 32. My fiance is 31. We've been living in our new home for 7 months now.
I think you two are at the perfect age to start a family. Yes money is probably the biggest concern these days when making that decision but it doesnt have to be a financial burden unless you intend on spoiling them. When you are really forced to you find incredible ways to stretch money

But overall make sure you guys decide and commit to a plan beforehand
Thanks. I'm starting to think this way too. We're at the right age and while it may be a struggle at first I consider myself to be pretty good with finances and finding the right ways to save money at the right time. I've already planned to cut the cable and have been doing my research in that thread. Picked up a BJ's membership the other day. Funny the things that get you excited when you're 30 compared to 20.

 
I was going to post a new topic, but I think this might be the perfect one to fit this in. I haven't watched that video yet, but from what others have said I would probably agree with the points she makes.

I'm getting married in May. My fiance has always wanted to try to start a family right away, and I was fine with that. I'm ready for it, she's ready for it. However, she's come to the realization that she can't (or really doesn't want to) work full time until the kids are in school. She's fine with working part time. Her reasoning is that she is a pretty anxious/stressed person (true, but not a headcase) and she wants to be able to be there for our children. Her work right now causes a lot of her current stress. I had a hard time understanding this at first and thought she was being selfish, but after thinking about it I do get where she's coming from and want the best for her and our family.

We plan to at least have 2 kids with a maximum of 3. Now I'm sitting here wondering how the hell we're going to afford that. I make decent money, and together we make decent money, but I seriously question whether we can support another human (or 2 or 3 down the line) with only my full time salary and her part time salary. Maybe if she got a job where she's happy she'd feel differently about working full time? I brought this up and she said "Maybe", but then there's still the issue of her having enough time with the kids. Sure, her working part time would save a lot of $ for child care expenses as I'm sure her parents would look after the kids when she's working, but we'd still be better off financially if she worked full time. One other point I'll make is that there are part time jobs available in her field (foster care, mental health counseling, therapy), so it's not like she'd be flipping burgers.

I really don't want to delay starting a family, and either does she, but I just don't know if it's going to be possible with 1.5 paychecks coming in. When I don't feel like arguing about it or want to make her feel better I just say "We'll figure it out." I'm sure we will, but all I can think about now is "How?" I've got to be honest, sometimes she watches that '16 and Pregnant' show and it makes me feel a little better. If those brats/hooers can live a somewhat functioning life with 1 or 2 kids then I'm sure we'll be fine.

Any advice would be greatly appreciated here guys. I have a lot more thoughts on all of this, but I think I got enough of the story out right now and maybe I'll divulge a little more later.
Make a list of everything that costs you too much money to afford to have kids. Mortgage, car lease, NFL Sunday Ticket, whatever. Everything you would have to give up to create a budget that you could live on while supporting a child on 1.5 salaries.

Then compare that list to your desire to have children. Which is more important?

 
*Didn't intend on hijacking the thread. Just looking for opinions. I'll watch that video later. Maybe it'll help?

Also, I just turned 32. My fiance is 31. We've been living in our new home for 7 months now.
I think you two are at the perfect age to start a family. Yes money is probably the biggest concern these days when making that decision but it doesnt have to be a financial burden unless you intend on spoiling them. When you are really forced to you find incredible ways to stretch moneyBut overall make sure you guys decide and commit to a plan beforehand
Thanks. I'm starting to think this way too. We're at the right age and while it may be a struggle at first I consider myself to be pretty good with finances and finding the right ways to save money at the right time. I've already planned to cut the cable and have been doing my research in that thread. Picked up a BJ's membership the other day. Funny the things that get you excited when you're 30 compared to 20.
If you dont need to eat something different every night buying in bulk is huge savings. It doesnt take long to learn how to prepare most of the stuff you would buy pre-made un the grocery store. Most pre-packaged foods are complete rip offs. You can feed a family very healthy and very affordably by spenting a few extra minutes in the kitchen every day
 
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I was going to post a new topic, but I think this might be the perfect one to fit this in. I haven't watched that video yet, but from what others have said I would probably agree with the points she makes.

I'm getting married in May. My fiance has always wanted to try to start a family right away, and I was fine with that. I'm ready for it, she's ready for it. However, she's come to the realization that she can't (or really doesn't want to) work full time until the kids are in school. She's fine with working part time. Her reasoning is that she is a pretty anxious/stressed person (true, but not a headcase) and she wants to be able to be there for our children. Her work right now causes a lot of her current stress. I had a hard time understanding this at first and thought she was being selfish, but after thinking about it I do get where she's coming from and want the best for her and our family.

We plan to at least have 2 kids with a maximum of 3. Now I'm sitting here wondering how the hell we're going to afford that. I make decent money, and together we make decent money, but I seriously question whether we can support another human (or 2 or 3 down the line) with only my full time salary and her part time salary. Maybe if she got a job where she's happy she'd feel differently about working full time? I brought this up and she said "Maybe", but then there's still the issue of her having enough time with the kids. Sure, her working part time would save a lot of $ for child care expenses as I'm sure her parents would look after the kids when she's working, but we'd still be better off financially if she worked full time. One other point I'll make is that there are part time jobs available in her field (foster care, mental health counseling, therapy), so it's not like she'd be flipping burgers.

I really don't want to delay starting a family, and either does she, but I just don't know if it's going to be possible with 1.5 paychecks coming in. When I don't feel like arguing about it or want to make her feel better I just say "We'll figure it out." I'm sure we will, but all I can think about now is "How?" I've got to be honest, sometimes she watches that '16 and Pregnant' show and it makes me feel a little better. If those brats/hooers can live a somewhat functioning life with 1 or 2 kids then I'm sure we'll be fine.

Any advice would be greatly appreciated here guys. I have a lot more thoughts on all of this, but I think I got enough of the story out right now and maybe I'll divulge a little more later.
Make a list of everything that costs you too much money to afford to have kids. Mortgage, car lease, NFL Sunday Ticket, whatever. Everything you would have to give up to create a budget that you could live on while supporting a child on 1.5 salaries.

Then compare that list to your desire to have children. Which is more important?
Quit bringing reality into this thread. I'm in the same boat as this guy. TIA.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.
You'll figure it out. It's amazing how much less money you spend when you can't just jump up and go to a restaurant, or because you aren't drinking because you have a baby.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.
It'll be okay. The fact that you and I have stable incomes likely means we're both ahead of the game already. It's tough though, because I think no matter what number you actually bring in we always tend to find enough expenses to add up to that number. My wife probably has a momentary panic every week or so now when we barely make bills despite making relatively good money. Ultimately, Henry Ford is right in that you just have to cut certain luxuries you've grown accustomed to. Which sucks, but is probably only the first of many sacrifices one makes for a child.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.
It'll be okay. The fact that you and I have stable incomes likely means we're both ahead of the game already. It's tough though, because I think no matter what number you actually bring in we always tend to find enough expenses to add up to that number. My wife probably has a momentary panic every week or so now when we barely make bills despite making relatively good money. Ultimately, Henry Ford is right in that you just have to cut certain luxuries you've grown accustomed to. Which sucks, but is probably only the first of many sacrifices one makes for a child.
When they start calling at 2 a.m. about a car accident, you'll think back fondly to when your big problem was how to pay for a crib.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.
It'll be okay. The fact that you and I have stable incomes likely means we're both ahead of the game already. It's tough though, because I think no matter what number you actually bring in we always tend to find enough expenses to add up to that number. My wife probably has a momentary panic every week or so now when we barely make bills despite making relatively good money. Ultimately, Henry Ford is right in that you just have to cut certain luxuries you've grown accustomed to. Which sucks, but is probably only the first of many sacrifices one makes for a child.
When they start calling at 2 a.m. about a car accident, you'll think back fondly to when your big problem was how to pay for a crib.
Suppose being black out drunk at 2 AM doesn't really work as an excuse to miss that call either when you're a parent.

 
I'm absolutely willing to give up whatever I need to in order to start a family. I'll be cutting the cable as soon as I figure out when is the right time to do it. Verizon's early termination fee is killer, but it does go down $10 every month you're subscribed. We both have cars, mine is paid off and I can't recall how long she has left to pay on hers. Nothing we can do about the mortgage, I got a very good rate and we aren't moving any time soon. Combining our car insurance might save some $.

As far as the food and all that she has dietary restrictions so we prepare a lot of meals ourselves. I've probably lost close to 10 lbs since we've moved in together because a lot of the time I eat what she eats. The only thing about buying wholesale is sometimes they only stock the premium stuff so it doesn't necessarily mean you're spending less. I remember looking at the packages of salmon and thinking "that doesn't seem like a deal."

Advice has been great so far. Thanks! We'll figure this out. Neither of us want to regret waiting and I feel like just going for it will ultimately be the right decision.
It'll be okay. The fact that you and I have stable incomes likely means we're both ahead of the game already. It's tough though, because I think no matter what number you actually bring in we always tend to find enough expenses to add up to that number. My wife probably has a momentary panic every week or so now when we barely make bills despite making relatively good money. Ultimately, Henry Ford is right in that you just have to cut certain luxuries you've grown accustomed to. Which sucks, but is probably only the first of many sacrifices one makes for a child.
When they start calling at 2 a.m. about a car accident, you'll think back fondly to when your big problem was how to pay for a crib.
Suppose being black out drunk at 2 AM doesn't really work as an excuse to miss that call either when you're a parent.
Yeah, you'll want to start being sober while your kids are out in case they need anything. Once in a blue moon you'll leave someone responsible in charge of them and go get a little tipsy, but when you get back home you're in charge again. Which means if the kid rolls off the bed in the middle of the night and cracks his head, you have to be able to get him to the hospital.

Seriously, the alcohol savings alone will take care of the cost of raising a kid for the first year or so.

 
I didn't even think about how much $ we'll save by cutting down on the alcohol, partying, etc. Hanging out with my friends has already been reduced by a lot. Everyone's getting married, has serious girlfriends, kids, etc.

Zow, does your wife work part-time?

 
I didn't even think about how much $ we'll save by cutting down on the alcohol, partying, etc. Hanging out with my friends has already been reduced by a lot. Everyone's getting married, has serious girlfriends, kids, etc.

Zow, does your wife work part-time?
She works full-time, but it's at a more "fun" job where she only makes like 20k/year. When we have kids she's going to stop working. I technically work a part-time second job already so we're going to be relatively stuck with a pay-cut when she quits and the added expense of a child. So, we gotta figure out where to cut money and the issue with that is that I/we've done what I'd consider a good job paying off my large student loan debt as well as investing early for the future (whole life insurance, Roth, disability insurance, cash saving, etc.). Unfortunately we may have to cut into that along with cutting way back on our discretionary spending. That's the stressful part.

 
I didn't even think about how much $ we'll save by cutting down on the alcohol, partying, etc. Hanging out with my friends has already been reduced by a lot. Everyone's getting married, has serious girlfriends, kids, etc.

Zow, does your wife work part-time?
It's the biggest boost to your budget when you have kids, and also the strangely toughest part about keeping your marriage fun and interesting with kids. I think it's a big part of why people grow apart when they have kids - those times of just going out and letting off steam together disappear.

I'd recommend that the two of you start finding ways to blow off steam together without partying now, so you're prepared for when a baby comes.

 
I highly, highly, highly recommend TED talks of all kinds...some amazing stuff. I watch probably 1 a day on my commutes and they are always enlightening and this one was no different. Thanks for posting as I've already forwarded it to a co-worker who has a kid in his 20's who he's struggling with. No ambition and thinks he's got all the time in the world. This probably won't make a difference but you never know....

 
I was going to post a new topic, but I think this might be the perfect one to fit this in. I haven't watched that video yet, but from what others have said I would probably agree with the points she makes.

I'm getting married in May. My fiance has always wanted to try to start a family right away, and I was fine with that. I'm ready for it, she's ready for it. However, she's come to the realization that she can't (or really doesn't want to) work full time until the kids are in school. She's fine with working part time. Her reasoning is that she is a pretty anxious/stressed person (true, but not a headcase) and she wants to be able to be there for our children. Her work right now causes a lot of her current stress. I had a hard time understanding this at first and thought she was being selfish, but after thinking about it I do get where she's coming from and want the best for her and our family.

We plan to at least have 2 kids with a maximum of 3. Now I'm sitting here wondering how the hell we're going to afford that. I make decent money, and together we make decent money, but I seriously question whether we can support another human (or 2 or 3 down the line) with only my full time salary and her part time salary. Maybe if she got a job where she's happy she'd feel differently about working full time? I brought this up and she said "Maybe", but then there's still the issue of her having enough time with the kids. Sure, her working part time would save a lot of $ for child care expenses as I'm sure her parents would look after the kids when she's working, but we'd still be better off financially if she worked full time. One other point I'll make is that there are part time jobs available in her field (foster care, mental health counseling, therapy), so it's not like she'd be flipping burgers.

I really don't want to delay starting a family, and either does she, but I just don't know if it's going to be possible with 1.5 paychecks coming in. When I don't feel like arguing about it or want to make her feel better I just say "We'll figure it out." I'm sure we will, but all I can think about now is "How?" I've got to be honest, sometimes she watches that '16 and Pregnant' show and it makes me feel a little better. If those brats/hooers can live a somewhat functioning life with 1 or 2 kids then I'm sure we'll be fine.

Any advice would be greatly appreciated here guys. I have a lot more thoughts on all of this, but I think I got enough of the story out right now and maybe I'll divulge a little more later.
don't delay for money reasons as you'll find a way to make it work. I've seen so many people delay having kids to get their career going, make more money, get a house first, whatever and those that delayed always seem to regret putting it off until their later years.

 
We're already partying less and going out less, so that won't be a hard transition. There's enough going on around us with friends and family where I don't think we'll have a problem finding things to do when we want to blow off steam with or without children.

I've been looking for an additional job with no luck, part-time. It's difficult because I feel obligated to put my current job on the application, which probably hinders them from hiring me because they see that I already make good $ and can't work 8-5 during the week. I do have a lot of friends in the bar industry, but I don't want to be up until 5am (bars in Buffalo close at 4). Something simple (and with a store discount) would be ideal. I've worked in retail before but not since college.

I have a 401(k) but that's it as far as future planning. I started it right out of college so there's a nice chunk in there. However, she does not have a 401(k) currently, but will soon enough. Not going to get much in there though if she plans to quit her job and work part time in 1.5 years. She is an only child. Obviously I hope her parents live long lives and I'd never want to depend on inheritance though.

She reminded me last night that next time is when she's supposed to start taking prenatal vitamins. I hid my emotions but that scared the #### out of me, but also pretty damn excited.

 
You guys have no idea how much the advice and encouragement means. I truly appreciate it my fellow FBG's. I've had a lot of anxiety about this and much of it has gone away in these past few hours. Now I'm gonna go back to checking out the 'fun' threads.

 
don't delay for money reasons as you'll find a way to make it work. I've seen so many people delay having kids to get their career going, make more money, get a house first, whatever and those that delayed always seem to regret putting it off until their later years.
Not me. I never wanted to have a kid until I could do it without money pressures. I was 36 when my daughter was born and don't regret it at all.

If you can be comfortable financially at an earlier age then by all means have kids younger but there's not much worse than having kids and dealing with money problems.

 
I didn't even think about how much $ we'll save by cutting down on the alcohol, partying, etc. Hanging out with my friends has already been reduced by a lot. Everyone's getting married, has serious girlfriends, kids, etc.

Zow, does your wife work part-time?
You'll be amazed how much money you save when you're not out blowing $100+ a night at the bars.

 
My wife was an office manager at a small law firm. When my son was born she went to 3 days a week, with my sister in law watching my son. When our middle daughter was born 2 1/2 years later we decided to have her be a stay at home Mom. It's always scary because all you can think of his "her salary paid for XYZ bills". But it was the best decision we ever made. Fortunately I was in sales so always had upside. If you're mentally ready for kids, and can come up with a budget that is manageable with you cutting back on a lot of unnecessary things, then go for it. You'll figure it out. Just have a plan.

 

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