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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]How did you decide to stop at 2 kids or decide to have more? We are on the fence about baby #3.[/quote]

You are fine with zero. One is enough. Two is a splurge. Third is insanity. You matter. Your marriage matters. Your parents matter. Your existing kid dd matter. Don't stretch yourself physically, mentally, logistically and financially too thin. You'll have get lots of rips to mend.[/quote]

this. 
it makes me insane when people complain about finances with 3+ kids. Of course it's human nature to reproduce, and of course it makes sense to have more than one child for the sake of the child but more than 2 is for very wealthy ppl or those who live in flyover/ v low COL. anything else is a little tunnel vision unless you dont care if your kids spend their lives in debt. [/quote]

What’s very wealthy? I’m a pp who agonized over having a third. If we weren’t planning to send kids to private school, 3 would be totally doable financially. Our HHI is around 500k. We live in NY where that’s not really enough to send three kids to private school and live decently while meeting other savings goals. If I sent my kids to public school - living in an expensive school district- it would be fine cost wise. It’s private school that really makes a significant dent on the cost of raising kids. [/quote]

pp - yes same. we are in nyc and thus need to be in private. Our HHI is $750-$1mm depending on the year but after nearly 50% income tax and $65 per kid on private that clicks WAY down and still need to pay mortgage, maintenance, property tax and save enough for retirement and to help them. the thing that bugs me is when people have a bunch of kids and assume they are financially done with their responsibility once the kid is 18. In NYC you are either at over $1.5 or $8m+ net worth or you should not be having more than 2 kids. to be fair nearly all the families i know with 3+ are at that income level. [/quote]

Well this is out of touch[/quote]

Dp - this is the reality of NYC. It’s nuts! For a two income couple working full time in Manhattan, their choices are spending 3+ hours daily commuting, or living in nyc which is obscenely expensive. Public schools are a mess. companies should be more flexible about remote work. [/quote]

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