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Switch from DINK to SIWK: How do people afford kids?
Others have tip-toed around this, but I'll just come out and say it.  The amount of money you're giving to the church is bordering on irresponsible given that you're just barely breaking even yourself.  The best thing you can do if you want to have children is to stop paying such a high amount to the church, and redirect most, if not all, of that money to your savings account.