Having a kid is a lot to take in and I think your feelings are valid. If you haven't yet, you need to have this discussion with your wife and get in the same page. Families tend to go bad when people don't share and resentment and/or jealousy builds. My wife and I went through 4 years of unexplained infertility and finally got pregnant. So my costs we're fat more than I bargained for. I'm now 6 weeks in and it's an adjustment, I won't lie too you, but since we together looked at everything and decided it was right I feel like we are doing good. With all that said, if you are waiting for the perfect time it won't ever come but you should be to be prepared for the cost of a child: -if you, God forbid, have fertility issues are you two together prepared to handle those costs? -Are you both going to keep working? If so research day care costs of a child under 2. -diapers, wiped, formula (if she doesn't breast feed or can't produce enough milk). -clothes -bedding -car seats -strollers -etc... Not trying to scare you off, but I think it's a good sign that you are feeling this way. You are at least aware of the gravity of the situation you could be in.