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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Delay instant gratification. [b]This includes kids.[/b] I really can't stress this enough.

We didn't start having kids until our late 30s because we wanted to purchase a house, whittle away my students loans (still not paid off but the end is in sight), get our retirement investments on the right track, and get a few big promotions.

We are now in a great place to start a small family. The first child will be born this fall. We'll take 6-12 months with the first kid and re-assess.

Again, delay that instant gratification. This economy is unforgiving if you don't have a tech job with crazy salary+benefits or family money. [/quote]

I disagree with this.  There is very often no “right” time to have kids.  Many people decide to wait until their late 30s and struggle with infertility or other negative health issues.  Have children when you can and make it work.  I was warned by my OB in my early 20s that I may have problems with my fertility and so I had my first child in my late 20s, during law school, no less.  But I was married and my husband had a decent job and we made it work.  At 34 and 39 we are able to max out our retirement accounts and are on schedule to retire when we want to.[/quote]

+1...don't delay kids. No one can count on being fertile in their late 30s. I had my kids at 28 and 30, in DC no less. So glad I wont have to go through maternity leave and  baby phase when I'm 39. I'm 33 now and look forward to retiring at 57. [/quote]

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