<prompt> Human: Hi PF - my question for you is: should we wait 3 years to have our first kid so that we can pay our mortgage off, or should we try for a kid now which we desperately want to do!Please note that a paid off house for the purpose of financial security is very important to us, and is what weve been working towards for 8 years. That said, I seem to know so many people who have struggled with infertility and miscarriages, and Im nervous about the health risks for mother child with increased maternal age. In a financially perfect world, wed be pregnant with a kid right now.StatsMe: 32, 110k salary 10k bonusHusband: 32, 95k salaryMortgage remaining: 240k house worth about 700k note this is a HCOL area, so the house is averageSavings: 7k monthEmergency fund savings account 15k bulk of our money in mortgage redrawRetirement accounts are going well, small brokerage acct, and we own our cars, no other debt. We are frugal for a HCOL area. Weve been saving aggressively since we were married 8 years ago, and were lucky to get a 50k inheritance too. At the moment we throw my salary at the mortgage. Once we have baby 1, this will take a dramatic hit for many years from me not working, or working part time with very expensive childcare, and wed be putting approx 700m on the mortgage from husbands salary. This reduction would increase our mortgage repayment timeline by about 10 years! Plus, we want 2, maybe 3 kids. If we wait too long, wed be in our early 40s before 3 comes along. Id really like to avoid this if possible due to health risks - and we both disliked having older parents ourselves.My projections of the mortgage balance going forward:End of 2018 -200k - Me: 32, Husb: 33Mid 2019 - approx 157k - Me: 33, Husb: 33End 2019 - approx 115k - Me: 33, Husb: 34Mid 2020 - approx 70k - Me:34, Husb: 34End 2020 - approx 25k - Me: 34, Husb: 35What should we do PF? Get busy now or knuckle down at work for 3 more years?  <response>: Since you want more than one kid, Id start trying now. 