If you are young enough to have children, then you are too young to be able to predict what you (not to mention the economy, or the world situation) will be like in 20 years — and the real spending “pinch” is when they are wanting to get go to yeshiva, seminary, college – and get married. Also remember that 20 years from now, if you realize you can afford children, you can’t go back and decide to have them.
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