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I fully sympathize with people working and struggling to make ends meet. The one question I have is when they say they have a child or even multiple children in their 20s. I am closing in on 30 and am in a position where having a child would be manageable financially. Thus far have elected not as want to as want to be in a position can provide for a child. 10 years ago would have been a disaster for me and any professional aspirations I had. Even 5 years ago would have been a major challenge. Is it cold to say most people should put off having kids until they get into their 30s?