You can’t have it all. If you are top 20% of income and still have problems saving money, then the issue is most likely your spending patterns. Kids don’t have

You can’t have it all. If you are top 20% of income and still have problems saving money, then the issue is most likely your spending patterns. Kids don’t have to be incredibly expensive; it is not necessary to pay for their college, send them to private primary and secondary schools, provide them with expensive activities, buy them a car, give them allowances, take them on vacations, go to frequent movies and concerts, and generally fall victim to doing what all the other parents are doing, especially in high income circles. It takes careful thought and consideration of what kids really need, which is love and attention. Picking the right spouse that understands this as well also matters a great deal!