<prompt> Human: I make a modest living, I have a bit of long-term debt that I am paying off student loans, and I want to have a child in the next year or two. I am in my late 20s, and its not realisitic to wait any longer than that.I was doing my budget and some preliminary child expenses, and I am able to afford pretty much everything, but daycare. Seriously, its almost as much as my wifes take-home pay. We would not be able to thrive off of my salary alone, so how do other people do it? I would have to make over 75k per year in order just to get by.I do not have any family that would be able to realistically care for them during a normal work hour. EDIT: Everyone thank you for your responses. You have helped my greatly.  <response>: Honestly, it is expensive. I noticed elsewhere you said you live in an expensive neighborhood. If you need to do it to fit your budget and life goals, maybe its worth moving to a cheaper neighborhood. Its not a coincidence that most families live in the suburbs. That expense is one of the many reasons I have no plans to have kids prior to turning 30. 