Reply to Its selfish to have kids in your 40s and beyond

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]It’s selfish to have kids when you’re younger, not as financially stable, and not as ready to devote most or all of your time to your kids. Happy, now?  [/quote]
Haha. True.   There are pros and cons to having kids older vs younger.

My sister had kids when they were younger, and when they were not as financially stable. They had sooo many issues in their marriage due to the financial stress, mostly. It bleeds into all facets of a marriage.[/quote]

I think there is a happy medium.  Don't have kids when you are not financially stable---try to pay off your own student loans, build an emergency fund and get a downpayment for a TH/House.  But for many that can be done by time you are 30.  However, it does (most likely) require you to continue living frugally thru your 20s and focus on paying down debt and saving.  Sure you can have fun too, but focus on the goals---starting a family when you are financially stable.  
Most can be by 30/33.  So start having kids then.  But don't have them when you still have 10 years of major student loans, don't have an EF and don't have a Downpayment.  Because that will be harder to achieve once you have kid(s).

Similarly, being 45+ when you have a kid means you will be at retirement age when they graduate HS.  You are much less likely to be alive/able to really enjoy grandkids, because you will be 75+ when that happens (hopefully--I don't want my kids having babies at 22)
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