<prompt> Human: All of you financially responsible parents. How did you decide when the right time was to have a child? How much money did you have saved? Did you think you prepared enough? What were you earning a year? High Cola? Low Cola? How old were you and your partner? How did you manage to pay daycare? Do you save for college? What advice do you have for couples thinking of starting a family? Assistant: If you keep waiting until things are perfect, youll never have kids. By and large this is much more a personal decision than a financial one. Human: I agree, but I think finances are important too. We know daycare will cost us around 1200 a month. But at this point we are only saving 500 a month. after retirement savings. Even having a fully funded efund. We are still at least 700 a month short- and thats not including all the other expenses.  <response>: This is very smart to think of. Honestly I think the reason you get there is no perfect time is because very few people set up the PERFECT scenario. Most people start financial goals and saving too late and cant push kids later or risk not being able to have them. Im not saying our way is perfect by any means but were going to get the house paid off before kids and hopefully have 300k in retirement. Then we can have flexibility to quit jobs and not worry!! 