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[quote=Anonymous]Team DH.  OP, you need to understand that your desires are not going to be realistic on your income if you want to have children.  You say you're "happy" to pay off student loans over your lifetime, but they might be more than you can afford on your salary!  It doesn't matter if you're "happy", it matters if you can afford it.  What you've written here shows that you don't seem to have any concept of the long term.  You haven't listed assets at all-- do you have any?  Do you have any retirement savings in your budget?  Because if you have kids you'll be paying for daycare and you'll come out of those years in your late 30s with hardly any savings for a home, retirement, or college.  That's not a good idea.

Focus on getting a better paying job.  Meanwhile, you need to read up on financial concepts so that you understand what it really means to make responsible choices.  Try to think about the long term.  When do you want to have children, and how much will it cost in your area for daycare?  Think realistically about your goals and make a plan to get there.  Right now you're all "I want, I want" and no real analysis.

Your DH is right to be concerned.  You don't seem to understand what a life within your means would be like.  He probably feels like he has to put the brakes on you now before you end up in a bad situation down the line.  If you go into the childbearing years with no savings, you will regret it.

Men can be very sensitive to the feeling that their earnings aren't enough.  Try to express to him that you are content and that being with him means more to you than anything else.  Get him to agree to a modest monthly allowance for home improvements and you can gradually get art and upgrade furniture one at a time.[/quote]

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