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[quote=Anonymous][quote=Anonymous]After hearing for the millionth time re finances and kids "if you wait until you can afford them you'll never have them." Of course I completely disagree, because I am a planner, andI got a lot of crap for waiting to be totally debt free with a 6mo emergency fund before starting TTC. Did you do the same? We're you on the other end of the spectrum? Interestibg to me how people's tolerance for risk varies.[/quote]

Ha! My husband was still in law school when we started trying, so we hadn't even started paying off his loans and he didn't even have a post-school job offer yet. It took 10 years for us to pay off my business school and his law school loans, so I would have been 38 instead of 28 if we'd insisted on being debt free. We were fine, things were obviously a little tight the first few years with day care costs and student loans, and it was pretty stressful during the pregnancy until he got a job (which was only a one-year clerkship, so then it was stressful again until he found a permanent job with the gov't). A big advantage is that we never felt like we had to "dial back" our careers or standard of living...our incomes went up a lot at the same time we were starting a family, so it just was what it was. [/quote]

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