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Also, when you say a baby would cost you 12.000 Dollar a year do you mean childcare? Just having the baby should not cost that much (without childcare). I pay about 100 Dollar max a month for diapers, food, toys ect.

@youngtyphoon10 May I ask how old you are? I would probably not wait another 4-6 years of I could afford a kid now and feel ready otherwise.