I've been Single Income/Single, Dual Income No Kids (DINK), dual income with kids and single income with kids. Kids won't completely destroy your finances but

I've been Single Income/Single, Dual Income No Kids (DINK), dual income with kids and single income with kids. Kids won't completely destroy your finances but 529 plans/day care alone can put a hurting on your finances. You become much more financially responsible and less likely to pay for luxury services (for yourself) like HBO, Spotify, Netflix, Gym membership, high lease car payment etc after you have kids.