<prompt> Human: Hello, my family is in desperate need of financial advice in order to make a significantly life changing decision. My wife just found out we are 7 weeks pregnant with twins. We currently have a 17 month old in daycare currently paid for by relative. Both of us have full-time jobs. We own two homeslive in one, rent the other would cost us money to sell the other with the current market. This is an overwhelming situation and Im asking for your advice and guidance. Based on our current finances, my wife does not believe we would be able to afford two additional infants keeping in mind the daycare costs as we do not have any family able to help with care and is seriously considering terminating the pregnancy. Some of you may recommend keeping them then giving one up for adoption. At this time, this is out of consideration. Some of you may recommend Selective Reductionbut because they are identical twins sharing a placenta this is not an option. Please be understanding. Please be kind. Please help. PLEASE NOTE, if you can, refrain from this being a pro-choicepro-life discussion. Simply describe how we can make our current family finances allow for more children, or state if it does not seem feasible for us to have twins. All amounts are listed on a monthly basisCredits 8400-Her income after taxes, health insurance, 401k deductions: 3400My income after taxes: 3200Trust dividends: 500Tenant rent: 1300Debits7775-House 1 mortgage: 1560House 2 mortgage: 1320Student Loans: 1100 min paymentProperty manager for House 2: 100Cell Phones: 150Internet: 50Car Payment: 220Car Insurance: 150Utilities: 260Therapy: 195We put literally everything else on the credit card and pay it completely off when due.Average Monthly Credit Card Bill: 2670Typical break down of the credit card costs-Groceries: 550Pets food and litter: 120Gas: 250Drmeds: 250Clotheshousehold items: 400Entertainment: 250Unplanned car maint.gifts,ect: 250RestaurantbreakfastLunch work: 600___Currently in Savings: 23,000Details of my trust fund: January 2017 I will receive 95,000401K: 62,500ANTICIPATED COSTS:Will need to upgrade 1 vehicle to larger size will trade in, estimated one time expense of 5,000Starting November 2015-Diapers 200monthFormula 300monthClothing 250monthStarting February 2016-Twins Daycare 2200monthStarting April 2016-Increase in grocery bill babies start solids by 150monthNotes: From what weve detailed out, we KNOW we can make the following adjustments. Please tell us what weve missed.Cut therapy to 96monthCut cell to 100monthCut restaurantlunchwork to 300month therefore increase groceries by 100  <response>: I totally think you guys will be able to make it with the twins. There is so much that can be cut out or down on in this budget. Clothing and household goods -- go to thift stores. Cut the eating out out. Cut down on the entertainment. I cant think you are going to have much free time the first couple years. I would also look at finding some one to take the pet before I gave up the babies. Your income is way more than most. I dont think income of this size is a reason to abort the children. Best of luck to you guys! 