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Having children is an immensely personal decision and endeavour, and I feel that it has to be viewed from the lens of your situation and values.
I’m surprised your wife mentioned such generic arguments. She should hire me as her advisor haha. This is what I would argue:
Children cost money. If you want four of them, you will have to delay your retirement plan and be stuck in the fiat world for longer. Are you prepared for that?
I don't, I own BTC
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very nice counterpoint... Raising children, parenting etc is immensely valuable -- but so is exiting fiat grind and building meaningful things with wealth. Trade-off
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