13. How many children do you plan to have?
Having children is awesome, in every sense of the word. As much as it’s wonderful, it’s also a massive responsibility. Kids cost money. From the time they’re born until they move out of your house (if you’re lucky) they’ll factor into your budget. The money your children cost you goes well beyond diapers and formula.
You need to have enough money to feed, house, and clothe your children. You might want your children to attend a private school which will be an additional drain on your resources. Plus, there’s that all-important college fund. When you work out how much money having a child costs, you may reduce your wish for four to two!