We make just enough to have a really good life without kids or have a really stressful life with them. We don’t even have a house yet (and I mostly don’t want one, but that’s another conversation). I ran the numbers, and I didn’t like the outcome.
Everyone that I know that has kids is sleep deprived, unable to do much of anything outside of the house and are in a lot of debt. Some people think that kids make up for all of that. Not us.