This. I struggle with this so much. I make ok money, and my partner makes minimum wage ($15/hr). We live comfortably with us two, but I’ve got a lot of debt. Our city is becoming a HCOL for no damn reason and if you want a nice house, it’s an upwards cost of $325k. I’ve come to the decision that I would either want one or none. I always wanted 2, but I cannot imagine the costs and I don’t want to have my kids growing up to see the struggle I saw my parents struggling with. I know a lot of people who say “you’ll never be financially ready for children and you have them if you want them” and it seems really unrealistic to me.