(Closed) Money and Babies

posted 6 years ago in TTC
  • poll: If money were no object would you start TTC sooner?
    Yes! : (36 votes)
    55 %
    Nope! : (29 votes)
    45 %
  • Post # 3
    10288 posts
    Sugar Beekeeper
    • Wedding: October 2011

    Nope, wouldn’t try any sooner. Money is a factor for us but it’s certainly not the biggest one. We could easily afford a baby on what we make, even having the ability for me to become a Stay-At-Home Mom, but we’d like to save more. Our biggest roadblock is independance and our desire to enjoy married life before adding someone else into the mix. Neither of us are ready for the commitment that a child brings and once you have one, there’s no return policy. If we had an “oops” we’d deal with it but we certainly won’t be trying any time soon. 

    Post # 4
    2622 posts
    Sugar bee
    • Wedding: November 1999

    No, because we wanted to enjoy our marriage first. We got martogether be togethernot just to have kids so we wanted to enjoy each other first.

    If it were only a money issue we could have had a kid whenever, but we also wanted to save a lot more in order to have retirement and a house and savings etc all set before adding another expense.

    Post # 6
    3618 posts
    Sugar bee
    • Wedding: November 2011

    I would have to say yes or no. We have a timeline of when we want to TTC, but our financial situation won’t change at all by then. We do want to save a bit more before we TTC since kids are so expensive, but it’s also because we want to enjoy being married first and most importantly TRAVEL.

    But if money were no object, I would want to TTC sooner since we could hirer a nanny and they could travel with us then right? Wink

    Post # 7
    14486 posts
    Honey Beekeeper
    • Wedding: June 2011

    Nope.  Money is not the determining factor for us.  Our jobs/income wont change much between now and TTC, it was the desire to just be us for a little bit and squeeze in a bunch more travel that is delaying us.

    Post # 8
    13099 posts
    Honey Beekeeper
    • Wedding: July 2010

    We probably would.  Basically the biggest thing that is dictating our TTC timeline is that we both want me to be able to be a Stay-At-Home Mom while still allowing us to live in a way we prefer.  So we are waiting until Darling Husband makes enough money on his income alone.

    So yeah, if money were no object, we’d probably try sooner.

    ETA: We’ve already been married for 2 years so we’ve had some additional “just us” time.  If we’d just gotten married, I’d still wait a bit to have that “just us” time.

    Post # 9
    3175 posts
    Sugar bee

    We wouldn’t move up our timeline. We actually haven’t based our timeline on money at all. There are other milestones that will help with the financial aspects (getting our master’s degrees), but we’re doing well enough now to have kids. I’m about to go on active duty and would like to serve my 4 yr commitment without a kid to worry about. My husband also wants to be well established in his career before the kids come along. We also want to travel a LOT before settling down for the first few years of the kids before they can travel with us. 

    Post # 10
    10367 posts
    Sugar Beekeeper
    • Wedding: September 2010

    If money were no factor, i’d be closing on a 3-4 bedroom house in the heart of San Fran, would have already socked away money for private school (which we’ll never be able to afford as is) and we’d be on safari in Africa living it up right now. Which would put us at TTC in the next few months, hahaha. As is, it will be 1-2 years, minimum, before we can afford a bigger place (live in a tiny 2-bedroom place now), we are currently rebuilding our savings, and the Africa trip – a must have for me before trying! – is probably a year or more away. So yeah, money would speed things up. It would also make us ok with having two kids. We are not sure we can afford two kids where we live right now (everyone I know with 2 pays $3400+ per MONTH for child care. Which is insane).

    Post # 11
    5547 posts
    Bee Keeper
    • Wedding: December 2011

    If by money not being a factor you mean we suddenly have lots more, then yes. Because there is lots of stuff we want to do before kids and have to save for those. We want to own a house and go on several different trips while we don’t have kids. If we could somehow just afford all those things then we may not wait so long to have kids.

    Post # 12
    772 posts
    Busy bee
    • Wedding: December 2011

    Hell yeah, it is all about the money.  We talked about trying back when I was 26, but the economy slaughtered us and in truth we enjoyed the extra time.  I am 31 now and want to get started ttc asap, but I’m in school and we are balancing money and schedules and the rest of it. BUT, if we had the money solid we would be dropping baby right now! Money solves so many problems, from the costs to the ability to hire in extra help if needed, and the ability to feel more relaxed about the decision.

    Post # 13
    1652 posts
    Bumble bee
    • Wedding: July 2011

    We are already TTCing – we waited til we were financially comfortable, married & have a mortgage 🙂 But we are 29 & 30 now so even if all these things weren’t in place we’d have gone for it now anyways..not gettin any younger! x

    Post # 14
    1052 posts
    Bumble bee
    • Wedding: March 2011

    Money is pretty much our only obstacle at this point, so if we had an unlimited supply we’d definitely start sooner! We’ve been together for over a decade, went to Europe together, lived together for over six years, etc etc. We don’t own property since we live in Los Angeles but unlimited money would solve that and pay for private schooling too.

    Post # 15
    624 posts
    Busy bee
    • Wedding: May 2011


    My husband and I have been married for 3 years when I was 27 years old. I wanted to wait till I finished my 20’s till I started TTC.

    The agreement was as soon as 2012 comes, we will pay off all our debts, Open a savings account for the baby, and get off birth control, and if it happens it happens.

    Right now its July and the Savings looks good! I can take a year off if I want once I give birth, and not worry about not contributing to the house bills.

    Recently Ive been monitoring my tempatyure and cycle more than before.

    But one of the FIRST talks we had before we TTC was money

    That last thing you want to do is worry about bringing a child into this world “because you want one” and then struggling Financially and having to rush back to work.

    Ive seen this happen w a lot ot my friends and I dont want that for me.

    I want to focus all my attention on my baby and not worry about money for a few months. 

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