<p>For me, kids were non-negotiable. Broke up with my college BF in part over that issue, and he never did have kids with any of his three wives. (Glad to have dodged THAT bullet, in more ways than one!) I have liked every stage, though am finding the semi-launched young adult era rather difficult.</p>
<p>Because DH and I knew early on that kids would be in the picture, and because both of us came from families that struggled mightily on the financial front, we chose from pretty much Day One of our marriage to live on less than what we made. We felt this would give us more options WRT working FT/PT, college choices, and just not being tied down to paying for a big mortgage and a lot of STUFF. </p>
<p>For comparison – our neighbors tend to take smaller, more frequent and more local vacations, and their kids are happily at directional state schools and got cars while still in HS. This gives them the budget for a big household improvement project every year, which makes them very happy, as much of their extended family is local and comes to visit frequently. We save DH’s frequent flyer miles for big trips done cheaply (including to visit family in other parts of the country), and chose the private college route (public schools through HS). We have deferred household maintenance and upgrades for 15 years (and it shows). It works for them, it works for us.</p>
<p>I have done FT, PT and SAHM, and am home again now due to medical reasons. We were darned glad we weren’t tied to a mortgage that depended on my continued work – we could do what we felt was needed for college, or a big mortgage, but not both. </p>
<p>What I didn’t expect once we had kids was how much DH would resent me not having a full-blown career. (I have been in the same field for 25+ years, but did the mommy track once the kids arrived.) I could not imagine working 50-60 hrs/week in consulting while DH was working 70+, but he has found it very hard to see how my stepping back from the fast track made <em>his</em> progression possible.</p>
<p>S1 and DIL have asked us lots of questions about work/life balance. They aren’t planning on kids for a while yet (thank goodness), but they are already thinking about the costs of college and homeownership. One idea they’ve floated is returning to her country when the kids are in HS so that they could attend top UK universities for much less than comparable US schools. Both of them were academic outliers in school – one got good accommodations, the other didn’t – and they are in agreement on the kind of educational experiences they would like their kids to have. They are also paying attention to those companies that are generous with family-friendly policies. </p>
<p>So, while I don’t think finances will keep them from having kids, they are thinking actively about how to make sure they can juggle the career paths/child care/child rearing and college pieces.</p>