That is so true as we do beat ourselves when we should be winning. Kids are a proper commitment and had mine when I was young and now with grand kids doing the school run it is like I have even more kids. I think it is something you get used to and the timings are important even though you are never financially ready for what is ahead.
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Friends of mine who said they would never have kids, then had kids, and it totally changed them mostly for the better.
Yes I also noticed that as they were forced to change as having a kid is great, but it is also a shock to the system.