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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Delay instant gratification. This includes kids. 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]

We had kids in mid 20s and early 30s.

We have a HHI of $700k (split pretty evenly). When we had our first, it was $160k.

We max out retirement. We are in a great place to already have started our family. [/quote]

Great for you. There's a lot more families in America who had kids too young, didn't go to college, and work paycheck to paycheck. They are members of my family and they far outnumber the $700K HHI households. [/quote]

A person can go to college and graduate school and still have kids in their 20s.  I did.[/quote]

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