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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]It’s a PITA to deal with travel and emergencies with 4. I have 3, my sister has 5. We have considered a 4th many times, but as our youngest gets older (she’s 2.5), we’re more and more at peace with “only” 3.  It’s already difficult with vacation planning, getting a suite instead of a regular hotel room (or getting two separate rooms).  Getting an Uber or regular taxi in a pinch is more difficult. It’s still doable, but it’s just more, and not in a fun way.  These reasons alone may not be enough to nix having a 4th, but there examples of many inconveniences that I certainly didn’t think about when we were making #3.

Reading your post, though, OP, the only reason you need is that DH isn’t on board.  It’s not that his feelings are more important than yours, it’s that you both can deal with your resentment as adults, but if he’s the one that gets the resentment, in this scenario, there’s another child that has to deal with it.[/quote]

I'm not sure it's wise to base the decision on inconveniences like uber or hotel rooms...particularly with a HHI of $500k.

We have 4 kids. We travel a lot, and we either rent a suite, villa or two hotel rooms. And we've never used uber (rent a car, hire a driver, get a minivan/SUV taxi, etc.). And our HHI is *only* $250ish.[/quote]

I cannot imagine 4 kids in this area on that income.  We have that income and I don't get how you pay for college and to me to have kids today and not pay on that kind of income is very selfish.  [/quote]

Really, you can’t imagine?  Can you not manage your finances well? Or did you take out too large of a mortgage?  This is not a hard task on $250k. You save, spend wisely, and are not lavish.[/quote]

We manage very well but how do you pay for 4 kids/cash/no loans for college (and for us, graduate school) even on $250 and save and do extra curricular but we also have a SN child who requires a lot of therapies.  We don't live lavishly.  My car is 15 years old and on a good day starts.  We have an under $400K house.   We could easily manage day to day but we wouldn't have the college funds we have, nor have comfortably private paid for all the therapies we have done.  I think its selfish to have kids and not fully pay for college in less you cannot afford it.  If you make $125K+ there is no excuse not to pay beyond health, job loss or other major reasons.

On $250K, how do you easily save $100-150k per child for a state school and pay for activities and other stuff (or you simply don't do them).[/quote]

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