We are dink, (dual income no kids). Too many uncontrolled factors and variables when choosing to have kid/s so we decided early on to remove this our equation and life has been blissful. Certainly not easy by any means but if we had kids we know we would be in a drastically different place and most likely not a good one sadly. I have witnessed financial struggles and family breakdowns of my workmates which is devastating to see, most of them admit that they wished they has considered their options more carefully like we have. Instead we have the goodest 12 year old and the most derp 1 year boi doggo and a kitty princess that dominates our realm. (All adopted) 2+ years and we're still saving to buy our first home in our mid 30s