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You never have enough money to have a kid. You adjust your lifestyle, and become a father. you are a family with. you have responsibilities. If you have a kid now, or in 10 years, guess what. the loss of a job be devastating if you have a kid. timing doesn't matter. Having actually pushed me in my career. I wanted to provide for them, be able to send them to private school, and have the things they needed. If it were just me I would be fine living in a slum somewhere and not have a $ , mortgage in the midwest. I would not have cared if I crossed 6 figures in income. When we had our first kid the wife and I both worked. We did the math, and determined that we were actually spending 5k a year for her to work. Not making anything. When you consider wardrobe, lunches, dinners out because you both work late and are too tired to cook, daycare, higher tax rates with the higher income, and in a lot of cases a lack of earned income credit from the higher income .. it ads up. Reason 1 is MUCH more of a true to not have. If you want to enjoy the kidless married life, that is a very viable argument. The end result is, don't sweat the money, and if you guys can't talk about this and figure it out, then don't EVER have. Your styles of thought are too different, as are your desires and expectations of a family. well hung sexual man
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