Call me selfish but I will not go through the stress of trying to sacrifice quality of living and not be able to afford anything for my future family. The kids deserve to have any of their school, activities, college tuition, and desired materials paid for without me stressing over how much will i have left over. I basically don't want to have kids unless I am able to provide my family anything they want of their desires. I want them to have the best and luxurious quality of life as possible.I'm not about to give them that average middle class life for them.'