While I suspect that your budget could probably be tightened up a bit, I have to say that I'm ever glad I never wanted to have children - just keeping my own ass housed, fed, and health-insured (important for someone with a bit of disability) takes about everything I got.

There was another story here this morning that got some discussion about how people are omitting children as a way of finding work-life balance; who can blame them?

edit: other thread https://news.ycombinator.com/item?id=39259093