Let me tell you one thing I've learned: There's never ever a good time to have children.

I imagine raising children is much easier if you can afford round the clock nannies.

Or even just retired physically able grandparents a few doors down who can help serve as a redundancy.

Maybe, but man, money can't help you be a good parent.

You're tired, at work, and not part of their day-to-day life. It'd almost be easier to be 20 and have mom/dad still around and just start career at 35. Hell, I practically started my career at 35 and have nothing to show for the delay!

My wife and I are those grandparents, and frankly we don’t want the job.

What's funny is if you're completely broke and have kids, there are tons of government benefits designed to keep you afloat. But if you have a little too much money to qualify for those benefits, you'll feel like you'll never have money for kids.