 But having kids is different. That's one of those crossing the Rubicon type moments. Should you forfeit that for monetary reasons? Another thing to keep in mind is that you may take a step back in lifestyle when you have kids, but that's not necessarily a permanent situation. I'm in a much better financial position, better position in terms of lifestyle today with four kids than I was before I had kids. You might say that, well, if I never had kids, I'd be doing even better financially.