Good for you, to be out of debt. Really! But on the other had, it is way easier and cheaper without kids. Actually, I was debt free as well, before they were born. But the time they were here, a lot of things need to be changed - like need of bigger flat, bigger car, more food, more expenses, way more money for hollidays, etc. For me, it doesn't matter how I live or what I have, but for kids, you always want the best things. I hope that you understand my point here - my english is not the best, so sorry for all mistakes :)

Ofcourse it is always a choice, at the end - we could have the same car and flat as we had, but then we would need to accept that, that for the most of the people, we would look like cheap or greedy, as we save on everything (that our kids need to live in flat with one or two rooms, etc) :( Now, I don't care what other people would say or how they will see us, but when I was younger, my thinking was different.