<prompt> Human: My wife and I have been married almost two years now and dated almost 10 years before getting married. Were both professionals, which required many extra years in school as opposed to earning a wage. Im 27 and am a lawyer; shes 26 and is a doctor. Ive been working a few years now and she has a year left in her residency. Heres where we need some advice. We want to have at least three kids and are thinking about timing the birth of our first to correspond to when my wife will be done with residency. However, we want to make sure that this is a good time, financially. Obviously, she wont have started working yet, so there is some concern there. On the other hand, it would be much more difficult for her to take time off from work after a year or two of starting her career. We also dont want to have kids much later than 35 or 36, which only leaves about a seven-year window from now. So PF, what are your insights on the subject? Any advice? Edit to add some info about our financial situation: About 500k in student loan debt I know, I know Savings of about 5k, but will increase to at least 15k before the baby would be born No mortgage, no credit card debt Will likely take about 500k more of debt within a year or two business debt, so it will be positive cash flow immediately Current income is about 90kyear, but should be anywhere from 200k - 300kyear after my wife starts working. That has the very realistic chance of increasing to up to 500kyear within 5 years of her starting her career. We will put off buying a house for at least 3 years or more until we could build up about 50k or more for a down payment We live in a very low cost of living area of the country During this whole time we plan to aggressively attack the student debt and business debt with a large portion of that income.Its not the best financial circumstance, but it is what it is. Obviously, in a perfect world we would wait at least 5 years to have our first child, but were already 26 and 27. Waiting too much longer will take us out of our prime baby-making years, considering the 9-month manufacture delay.  <response>: Had a friends whose finance professor told them: If you want to be wealthy, never fall in love. If you must fall in love, never have childrenNever a good time. Youll make it work. Expecting my second. Freaked out financially about the first one, everything iswas fine. We adjusted. We made it work. Now on 2 Im few asking out again, just not as much cause I know Ill make it work. 