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[quote=Anonymous]I waited bc the idea of young kids was unappealing to me. DH wanted kids so I agreed and got pregnant instantly. Had my first just shy of 40. Turns out I love babies and young kids and wanted more, DH who originally wanted kids for sure found it difficult and would have been fine with 1, but was in board for a second. By that point our HHI was around 600k which was good bc turns out we needed lots of IVF bc DH had major MF. My age was just an extra fun issue to get to deal with. What a mess. I would love 4 kids, but probably we r done at 2 even though we have one frozen. The IVF took several years and was incredibly difficult on many levels.

We definitely could have afforded 2 (or more without ivf) on a much lower HHI, but I also know that if I had kids earlier my income would be lower. We do save a lot and now have a nanny so we can both work without having to put our youngest who can’t wear a mask in daycare. It doesn’t feel like we’re rolling in money, but I know that a nanny is a luxury especially now. Health insurance is also expensive and not significantly subsidized by my employer, so even though my salary sounds big, once I pay for insurance, it’s equivalent to something significantly lower (but still plenty). Having made very little before grad school and now making far more, I find that the difference in lifestyle isn’t as different as I thought it would be. I think that likely is due to savings habits.[/quote]

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