<prompt> Human: Editing to clarify: We just moved in together. He was paying a TON of money in rent every month, and now he is going to put 500month towards his debt, since living with me is saving him a ton of money. So the debt will be paid off in at LEAST 2 years. We do not spend a lot on food. Definitely a few hundred dollars per month but we are working on shopping together to save more money and meal prep. Once we get going I would like to make us a combined budget. I am cooking more at home but maybe the grocery needs a smaller budget. Totally doable. I should also mention we live 20 minutes outside of Boston. Very expensive but we got somewhat lucky with out place, the cost is 1800mo combined. That is rent only, no gas, electric etc etc.I am looking into the future a few years...my boyfriend and I live in New England and make a combined 130k. We currently both pay reasonable rent, etc, dont spend frivolously, put money into 401ks and savings. He has a little bit of debt under 6k that should be paid off in around 2 years.I literally do NOT understand how we could possibly afford to have a kid together. Our current pay gives us a comfortable life, but adding on childcare for the first few years alone will be costly. I KNOW I am getting ahead of myself, but I do think about it sometimes. Do we save less? Put away less into retirement? We are both hoping for increases in pay in the next year but it wouldnt be over significant.Thank you for your help and reassurance hopefully!.  <response>: Post your budget and well let you know where the room in your budget is. 130k is way more than plenty to afford a kid. 