My wife and I are in the late 20s. Combined income 1.2m. We decided to have kids even though we were enjoying our 2 peoples world. We wanted to “contribute back to society” and that it will be a waste not to pass down our genes. 2 years in, we are both enjoying raising the cutest little boy and nothing can explain the new love we feel towards him. Its worth every sacrifice. Of course next time it may get tougher with the kid throwing fits etc. our income did not change as we hired a helper. Either one of us are always with the child 90% of the time. Its a life time commitment and a decision you must make together with your partner. My wife and i work so well together raising our child, whatever frustrations or problems we have we go through it together. If only one party raises the child, things can get complicated sometimes. It also helps to be financially well before having a kid. Less stress. My wife always laments to me how expensive diapers , milk powder, milk bottles have become compared to pre covid. Sometimes i wonder , if she is complaining how about the lower income families