<prompt> Human: I personally have long been in the not wanting kids camp. When I have friends who tell me having two kids in daycare costs them more than their mortgage I immediately get anxiety at the thought. For those of you that do have kids, aside from just making more money, how did you handle what feels like an expense that would leave most with no disposable income at all? Lower retirement allocations?  <response>: 2nd kid would have my wife bringing in 200 a month decided she stays home we still want 4. LCOL ish. She sacrifices her career, but both of us have never been happier. We make other monetary sacrifices. 6year old minivan instead of brand new. No more eating out. It is what we both want. It makes us boring but God damnit I fucking love my kids and being a dad. 