Kids cost a lot spread gradually over time, for the most part. If your monthly expenses increase by ~$100-$400 a month at first, that's reasonably survivable f

Kids cost a lot spread gradually over time, for the most part. If your monthly expenses increase by ~$100-$400 a month at first, that's reasonably survivable for the majority of couples, and other increases can be planned for. If your month income suddenly declines by $10000 a month as in your example, you're probably fucked.