<prompt> Human: About a year ago, I started asking friends what they wished they would have done before they had kids. 100 said better finances . In 1 year Ive paid off my credit cards was at 8k and have 5k saved for missed income when Im out on maternity leave. I contribute 800 a month to my baby fund account I have only 1800 in my emergency fund. I make 50k a year. My partner wants to go to Europe in Sept because we wont be traveling as much once we start trying to get pregnant and if a baby comes. However, I wont be able to meet my baby fund savings for three months if I splurge on the Europe trip. But, for parents out there do you ever regret not spending on experiences before your children came around?  <response>: Splurge. Source, I didnt splurge, we saved. Still have no money and will probably never get that vacation now. Just do it. 