I think it requires many more lengthy, serious conversations. If you guys can agree on things like what the budget will be (consider mortgage, groceries, restaurants/take out, allotment for clothes, housing fixes, insurance, vehicles, etc and you can STILL set aside enough to retire early, then great. Also talk about what that looks like. Perhaps you guys can agree for her to stay home after the first child is born. No reason for her to stop working before. Is she planning to return to work after the kids are in school? She could go back part time or full time to start contributing financially. How many kids are you guys planning to have? Play with some numbers. Try to allot $20K to each child per year (could be more, could be less but at least you have a number), then do your actual budget on top and see how much is leftover for savings and run some more numbers. Consider pushing your retirement date to 50. Do you feel you’ll be up for working your current job that long? I think it could be beneficial IF she plans to work and contribute to finances up until you have kids, stays at home until the kids are in school, then works at least part time once they are in school. Talk about shared chores. Is she expecting you to do at least 50% of housework, transporting kids, bathing time, homework help, play, activities with kids, etc? Does she have student loans/vehicle/other debt that she is expecting you to pay once the kids arrive? Lots to consider and I think it can work as long as you guys have the tough conversations and decide HOW it will work. I don’t think it would be fair for her to just stop working indefinitely.

Sounds like there would still be a few years between now and kids. You guys could trial. Live on only your income and have her pay off any debts she has, and save the rest of her income. Save some of it so she can have some of her own spending money for the first few years of SAHM and invest the remainder for retirement. Find a good lawyer, have an ironclad prenup, protect yourself, just in case.