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My husband loves kids. Recently his best man at our wedding had a baby girl and my husband loves to hold her and look at her adoringly. (I’m jealous!) He did this at church and a woman came up to me and said, “your husband is so cute! He is just fascinated by the baby! When are you having one?”

Obviously, the cheapest thing to do is to have no kids at all, but we both agreed that we would like to have at least one kid. Personally, I believe that having kids earlier in life saves money even though I have read advice that said people should wait to have kids. Here are my reasons as to why I think having kids sooner is financially beneficial to a couple.

buy cialis online safely – When you are young or just starting out in your career your income is probably not at the peak. So when you have less money to spend, you will probably not spoil the kid as much as parents who have a lot of money. Additionally, if you have to give up some working days to take care of the kid, the amount you lose is small if you don’t earn all that much to begin with.

buy cialis online safely – Expenses for food and education are increasing at a much higher rate than the base inflation and wage increases. For example, my college tuition doubled in the 4 years I attended, and food prices are rising at a very high clip lately. If we have a kid earlier, we would probably have to spend less on these things.

buy cialis online safely – I have read a lot of stories about women who waited to have kids only to find that it is much harder to get pregnant. This results in fertility treatments that produce unwanted multiple births and other complications. It is also a lot easier for younger women to recover from pregnancy and child bearing so I rather get it over with while I am young. Fertility treatments are expensive, and so are unexpected multiple births.

buy cialis online safely – This is related to physical health. While I am still pretty young I have the energy to take care of the kid and handle a job. From what I have seen, young parents seem to handle the sleepless nights a lot better. I think this abundance of energy we have when we are young is helpful in balancing a career and children. I think if you are less phased at work by your kids, then your potential for career advancement is better.

buy cialis online safely – My mother in law pretty much retired early when she was a little bit over 45 and both of her children were done with college. She had them fairly early on and now she travels all over the world with her husband. Knowing that your children are already adults at a young age really brings peace of mind during retirement. Additionally, you no longer have to financially support them so your retirement expenses are lowered.

Anyway, most people decide to have kids later in life to save more money and advance their careers, but I think if you really want kids and you can safely afford having a kid then earlier is better. My husband doesn’t think I am ready to be a mom mentally, but one of my coworkers said to me, “No one is ever ready to be a parent!” I think that is really true, and I think we will be just fine if we have a kid within the next couple years.

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buy cialis online safelyon 06.09.08 at 1:35 pm

These are some really compelling points…. concerning womens’ ages and the right time to give birth, perhaps there’s always evidence one way or another, but I recently read an article demonstrating evidence that shows having children later can lengthen your lifespan. Your metabolism will increase at a much slower rate or something (wish I could remember where I found the article, I’d link to it). If I have children it’s going to be a bit later, so I hope it’s true:)

buy cialis online safelyon 06.09.08 at 2:13 pm

There is a lot to say for number 4. I had my kids while I was in my 20s. I don’t know how people that have them in their 40s possibly have the energy for the middle of the night wakings, the tantrums, the driving them all over the place and all the physical things involved. Grown kids are difficult, but its all emotional. For young kids you need so much physical stamina, just thinking about it I’m getting tired.

buy cialis online safelyon 06.09.08 at 2:59 pm

Interesting article. I agree, has them as early as you can. But most people aren’t ever getting marrries until their 35 these days. I think we need to go back to getting married and having kids in our 20′s.

buy cialis online safelyon 06.09.08 at 6:06 pm

Try not to get tagged as a what I label as a “sucker parent”. Expensive sports camps, academic camps, summer trips with school groups to Europe, a $500 bike when a $100 Target model is fine, their own laptop at 8.
Don’t get me wrong there were some great times and I feel some value was added however the cost was incredible. Our local university offered summer enrichment camps that turned out to be mediocre at a premium price, $1800 for 2 weeks.
You will find that everyone will prey on your feelings of not keeping up with other the other parents and families. Spend, but spend wisely no matter what age in life you decide.

buy cialis online safelyon 06.09.08 at 11:03 pm

I had my kids while I was in my early 20′s. We were poor but we had enough. Now the kids are grown and doing great. My husband and I are not quite 50 and we are still young enough to get out and do things, plus now we have the money. I’m going rafting down the grand canyon this summer, something I couldn’t do if I had waited to have kids!

buy cialis online safelyon 06.10.08 at 6:03 am

Our biggest reason for having kids young was #4 (and #5 was a close second). It’s really paid off. I still play with my kids at the park, wrestle, chase them, etc. I love it.

I totally agree with Curt’s comment. People mature (usually) when they have kids.

I got married at 20, had a daughter at 23, a son at 25, and another son at 28. Now I’m 29. :-0

Although reasons #1 and #2 are interesting, I don’t believe they should be major factors in your decision to have kids. Once you have kids, you’ll see that it’s not about money saved/earned.

buy cialis online safelyon 06.10.08 at 9:40 am

Yes. Have them young. I’m 47 and was sold a big, fat lie about “waiting to have children.” Since you are young, your parents will be younger and your children will grow up with real grandparents.

While it’s not “too late” for me, having children now would be the last thing I do in life, and I probably would not live to see my grandchildren.

Don’t believe the hype! Have them now!

buy cialis online safelyon 06.10.08 at 9:42 am

And Tim is dead on: kids don’t need 90% of the crap we shove at them. Really, what they need is loving parents, firm boundaries to push against, and the time to enjoy being a child. Not being rushed around to all sorts of stupid “extra-curricular” activities.

buy cialis online safelyon 06.10.08 at 10:02 am

Thank you. I really needed this :)

I’m 25 but am thinking of kids … and my career of course, but it’s nice to hear that having kids sooner isn’t such a crazy idea (my friends are all postponing until their early 30s)

buy cialis online safelyon 06.10.08 at 10:02 am

Oh and I’m going to link to this in my next round of link love

buy cialis online safelyon 06.10.08 at 12:53 pm

A lot to think about if you don’t have kids. My husband and I decided not to have any. It’s just easier for us to take extra money that we have (unfortunately is not a lot) and buy clothes/toys for children that don’t have a lot.

Rember that no one has to keep up with someone else. As long as a child has love, warmth, food, clothing, nuturing, education, health care, then everything else is icing on the cake.

buy cialis online safelyon 06.10.08 at 1:02 pm

True, those are some definite benefits. As others have noted though, a lot of people try to postpone it until their 30s, a large part because you lose, in some cases permanently, a source of income.

On the other hand, it could be possible to have children in ones early/mid 20′s and then try and get into the job market, but I think it is harder and sometimes people have huge student loan debts looming over their heads.

Sadly, the drastically rising costs of tuition are probably a very large reason why people have been putting off having children, because they simply won’t be able to afford the loan payments otherwise.

buy cialis online safelyon 06.10.08 at 1:49 pm

Good points.
I think it’s harder to advance in your career and education when you have kids at a young age. I was 20 when I had my first (hubby was 21). I wouldn’t change it for the world, but having little ones at home can make it hard to study and attend school. I think that’s why I started drinking lots of coffee :)

buy cialis online safelyon 06.11.08 at 1:18 pm

[...] Does having kids earlier save money? – The Baglady concludes that it probably does. What an interesting, freakonomical line of thinking. [...]

buy cialis online safelyon 06.12.08 at 10:33 am

Interesting post. I don’t think there’s ever a ‘perfect’ time, but there are certainly other considerations than you mentioned above. Can a couple afford kids at an early age? Daycare around here can easily run $1500 per month, the extra food (especially if you buy organic) definitely adds up. Kids need bigger clothes and shoes every few months since they grow so fast, and all the mandatory baby gear like cribs and strollers and car seats cost thousands. And don’t even get me started on diapers! Kids are in diapers until 3 or almost 4 years old. At $35 bucks a box, you have to budget for that! I’m all for having kids, and lots of them at that, but couples need to run the numbers BEFORE they try to get pregnant and make sure they can afford it, on top of their rent, car payments, school loans, etc. (fyi… I have 2 so far, starting at age 32, not planned late on purpose, that’s just how it happened)

buy cialis online safelyon 06.12.08 at 10:42 am

And the financial reality is that women have a harder time advancing their careers and making higher incomes if they have kids younger. I would never be making the money I am now without going to grad school, and grad school would be pretty darn hard to do with little kids. In particular, the research states if a woman takes time out of her career to stay at home for more than a year or so, she will probably go back to a position that pays less, lowering her lifetime earnings. Again, I fully support having kids, and lots of them, but there are realities just to be aware of. Having kids early, mid or late can be justified in any direction if you are just talking finances. My 2 cents.

buy cialis online safelyon 06.12.08 at 11:19 am

A must read from the NY Times….

buy cialis online safelyon 06.12.08 at 11:43 am

Hey Jemma, that link doesn’t seem to work. I also wrote about grad school pros and cons in another article if you want to check it out:

I didn’t go to graduate school for those reasons, but for some it is the right way to go. I think 32 isn’t so old to have kids. When I think of late, I think of my roommate’s sister in law, who had her kids at age 47. She had one and then she had twins from fertility treatments. That’s really late.

buy cialis online safelyon 06.12.08 at 4:20 pm

Hmmm sorry. Try this one, or go the NY Times most popular page and read “When Mom and Dad share it all”

… and I also don’t think 32 is “old” to start, its more mid-life. But then I’m 36 now and think we’ll have another eventually, and I might be old then! Fertility decline starts around 30, reaching a point where it tends to get hard to conceive around 37-40. Over 40 usually (but not always) requires medical intervention.

buy cialis online safelyon 06.21.08 at 5:22 am

I don’t think there is ever a perfect time to have children and I think that the most important factor is that the child is wanted and will be loved and that the essentials of life will be covered (home, warmth food etc).

buy cialis online safelyon 07.03.08 at 1:05 am

I had one at 25 and one at 35 and though I was in much worse financial shape with the first, it didn’t matter that I was poor, I had much more energy and inventiveness then, I was resourceful because I had to be. Luckilly those same traits I developed enabled me to live within my means when I became not rich by any means, but better off than grindingly poor. Not to mention if you start late, there’s nothing to ‘go back to’, like school or whatever when you hit the 40′s, it is just a continuation of the same. Don’t get me wrong, I love being a stay home mother, but I envy the mothers who had all their kids young and now have the time to enter a new chapter while they themselves are still relatively young. I mean, going back to school at 35-45 is one thing, quite another at 55-65.

buy cialis online safelyon 07.20.08 at 3:34 am

I must be completely biased, being 19 and having a 2 year-old, but I am all for having children while you’re young (not necessarily as young as I) I feel like i will be able to relate to my kids better, and enjoy their childhood more due to my age. Sure, money’s tight, but what is money, really, compared to the joy of motherhood? nada. And I saw someone mentioned all of the expensive stuff, cribs, clothes, etc. You wouldn’t believe how fast kids grow out of that stuff, and there’s always a mommy right behind them trying to pass it off. I know my mother hated the idea of me taking other people’s baby stuff, that was in perfectly good shape. Hardly used. Maybe if I had my son 10 or 20 years later, I would have felt the same, and spent tons of money on stuff that we only used for a few months….

buy cialis online safelyon 07.21.08 at 5:56 pm

Age is NOT a good factor to tell when someone should have children. People should have children when they are emotionally AND FINANCIALLY stable and prepared. Curt said “have them as early as you can”.Nooooo…….let’s not. There are already too many young mothers living off the government as there is. Also, one may have the children out of the house at the age of 45, but THEIR youth was spent struggling with money because of their small amount of income and having that huge amount of responsibility that comes with children just a mere two or so years after they were basically children themselves. Plus,it is true, when there is children there is stress,anxiety,and worry.Stress,anxiety,and worry age people. SO…..in retrospect….the fourty five year old empty nester may very well look and feel sixty years old. Just a thought.

buy cialis online safelyon 07.21.08 at 6:44 pm

um..my in-laws are NOT looking like 60 year olds. they made enough money to send their kids to private schools and still got them out at the age of 45/46. Right now my hubby and I are both 25 so we are not extremely young or anything so I think having our kid(s) before we’re too old is a good idea.

buy cialis online safelyon 07.26.08 at 5:51 am

Sorry,sweetie.Didn’t mean to offend your in-laws :-( It’s really not just the kids thing,most of the adults I know who had children very young also kind of let themselves go in all the commotion.You know, by not eating very healthy or having very much time to excersize.They also had three or more children in a pretty short amount of time.Not just one and then four years later one more.Also, a plethora of them smoked…. :-(

PS. I think twenty-five is actually the perfect age to start. I was just trying to stress that nineteen or twenty seems too young these days. Times ARE different from twenty to thirty years ago. In those days people were easily coming from families with eight children, and now a days people gasp when someone gives birth to more than three.

buy cialis online safelyon 08.09.09 at 1:38 am

[...] I am 26 now and I think I am at a good stage in my life  to have a kid.  I actually wrote   a post here about the financial advantages of having children at a younger age and I still believe in what I wrote.  I have also found that  culture and customs also influence [...]

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