<prompt> Human: I make about 40k per year, and my wife makes about the same. My job isnt that stable, and I feel that I could lose my job in the next year or so. We are both college grads, and we own a home. Financing I just cant help but picture how stressful things would be financially if we had a child and I lost my job, or my wife takes time off work, and we have to live off one income. We have built a decent lifestyle on our modest incomes. We make roughly 80k per year combined. We have little bills, no substantial debt besides our home. No student loan debt. Im just wondering if kids are even worth having? I dont want to be broke...  <response>: If this is even a question in your mind, you shouldnt be having kids. 