I am being honest, we cannot afford kids because of student loan debt and daycare costs. So why exactly are people delaying on kids and waiting longer to have them? Because of finances.
I don't feel like I am 30. Personally, I don't feel 30, look 30 or act 30 (Not sure what the exactly means). But financially at age 30 we were not ready to have kids.
So with the crazy amount of debt we are focused on paying down each month, we could afford one kid, but a second would significantly impact our financial security.
Money does not have to be the determining factor forever.
We think that money, and not the abundance of it, would always dictate how we live. However, over the last few years, we have learned to focus on paying off debt.