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I would basically say that if having kids becomes a priority, then you'll figure out the financial stuff.
I have no kids (not for financial reason) and I used to think like you, but now I'm not sure anymore. We live in difficult times.
It just doesn't make sense that only poor people can afford to have kids.
What you'll discover (if you haven't already), as you entertain the idea of having kids, is that there are always reasons not to do it.
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