My husband and I adopted our daughter when we were 40. Our adoption decision was based upon personal choice, not infertility issues. Since we always knew we would adopt, my biological clock didn’t feel like a ticking time bomb. We waited until we could afford to commit to parenting 100% full-time, together. The wait has been worth it for our family.

As you know from my blog’s mantra, “Financially free, our family hasn’t set an alarm clock in years. Whether it be work, parenting or play, we wake with the sun, eager to spend each new day doing whatever we choose.”

I realize we sort of took this choice to an extreme. I don’t think it has to be an all or nothing thing - it’s just what worked best for my husband and I.

I can certainly relate to all those nosy questions and pushy comments. We dealt with them for almost 20 years… Keep confident in your personal decision and conviction and people will lay off eventually.

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And I admire your financials, ideally, that is where I’d like to be when we have our children. But with our student loans totalling near 200k TOGETHER we have a ways to go.

What’s the hold up? Well our time. DH is working full time and part-time MBA. I’m full time graduate school and I do everything. Sometimes it’s not financial.

It’s reprehensible that someone would ask if you are trying. It’s offensive when so many women struggle with infertility or miscarriages. I never ask because while I am sure many of our friends are “trying” at 29-35, if they are having troubles reminding them would be AWFUL.

And by the way, the perfect time to have a baby would be when you are ready. Meaning don’t have a kid to trap a man. Don’t have a kid to “fix” a relationship. Don’t have a kid for fun, don’t have a kid accidentally.

Actually both want to have children with or without money. I see so many people “accidentally” getting pregnant I wonder why? Get real. It’s not an accident when you use nothing or improperly use BC.

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PRICELESS!!! LOL!

Actually, yes you can. Planned Parenthood is a whole organization dedicated to such a thing. I get you’re trying to say though especially when people come up with the “There’s no perfect time to have a baby” thing to which I say, “Yes there is, when you’re not busted-ass broke.” When a couple says they want to be financially sound before having a child, why is that met with hostility and push-back? Especially from people that had kids while they struggled financially (and continue to do so)? Probably because misery loves company. Deciding when to have a child is not exactly like trying to time the stock market. We know when the ideal time period is for men and women reproduce. We have birth control to help us do that when it’s appropriate for us. This is one of the few times in history when women ever had the chance to decide when to have kids, if they even want to, thanks to the Pill and entering the workforce to make our own money. So yeah, compared to other generations it seems a little strange, however this is how it should be, in my opinion. I believe people that want to have children should be able to have the time build a strong financial base before doing so. And that should be celebrated, not brushed off and met with insults of women being “selfish,” etc.

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My husband and I are 23 and we are expecting our first child at the end of this year. We feel incredibly comfortable with our financial situation–our only debt is a small car loan and we are close to having a 6-month emergency fund in place.

We’ve been living on one income for almost a year now. My husband brings home the main paycheck and I do small freelance things.

We feel as ready as we’ll ever be. It kind of stinks because none of my close friends have children. Heck, most of my close friends aren’t married.

This comment is already getting too long, so I’ll just wrap it up by saying it’s a personal decision and people need to stay out of others’ business.

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