Honestly, I think that money and children is all about priorities. We always thought we would pay off our home loan before having children. Then the penny dropped, a light bulb went off, and we decided that NOW was the time to have kids- If we waited a few more years to have the house paid off, then we might be better off financially...but right now is the time we are ready emotionally, and our relationship is ready for them (should we ever fall pregnant). So, now is the time for us to TTC. Having said that though, we have no other financial commitments, and will be able to live on one wage when/if we have children- so we are lucky in that respect.

We decided that FOR US, it was more important to have children when we were younger- and that was a choice that we discussed at length. We talked about being a one-income family, and the impact that staying home for a few years would have on my future job prospects....all those issues that really needed to be talked about.

The decision about WHEN to have children is a VERY personal decision that will vary from couple to couple. Just make sure you sit down and talk about ALL the options, and the impact that this decision will have on you emotionally, physically, and financially.

R