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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Its self destruction to have more than you can comfortably afford.[/quote]

And some people don’t understand basic math or don’t care if their kids need college loans. Of course everyone on DCUM claims to be rich, but IRL most large families I know do not plan to fully fund college. [/quote]

Uh, we’re middle class and are not sure we’ll be able to “fully fund” college for our one child. College is insanely expensive.

But we also think with just one we’ll have way more flexibility and the ability to figure out how to make it work, even if it involves loans. Taking out loans to fund college for one kid, as long as other financials are sound (we should be at or near payoff on our mortgage by then) is more manageable than with multiple. Same with childcare. It was really tight fir a few years but then it was over.

[b]One kid is the way to go if you aren’t wealthy or if you have zero support from family or other constraints.[/b] We really wanted to be parents and are so glad we are, but even just one more kid would be so much more stressful.[/quote]

Speak only for yourself, please.  We’re not wealthy and have little family support.  We love having three kids - the love and joy and awesomeness they bring FAR outweigh the work and stress.  Not even close.[/quote]

I would bet you either live in a very low cost of living area or you have a different standard of "wealthy". For instance, 3 kids in the DMV is a huge financial undertaking because of housing costs and the fact that the most affordable neighorhoods tend to have bad school options.

We considered having a second child but ran the numbers and figured out the only way to really make it work would be to move to Howard County, which would meant a daily total commute time of close to 4 hours between the two of us. While we would have loved another kid, it didn't make sense if it meant such a big quality of life sacrifice (which would also impact family life). Sticking to one meant we get to spend more time with the child we have and live closer in with a reasonable commute. [/quote]

There are many middle class families in the dc area with 3+ kids who make sacrifices to make it work. [/quote]

The kids probably won’t feel the same way when they become teens or young adults. It’s a lot easier to have no money when the kids are small. [/quote]

We are not wealthy (by DCUM standards), live in a nice NW neighborhood with decent schools, but we send our 3 kids to private. We watch what we spend for ourselves, but our 3 kids are doing great![/quote]

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