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Do you really need money to have kids?

I have been chatting with friends online as well as over the phone lately and there seems to be this one topic that keeps popping up~ Finances and having babies. It appears the majority of people felt that you should be financially stable, have a house, vehicles, credit cards etc... before considering having children. I don't agree with that. I think that the number one thing you can give a child is unconditional love. Once you do that, the rest falls into place.

I am so glad I had the girls while we were young. Although we struggled financially, they never went without all the necessities. Our girls are so appreciative of anything you give them and have become very wise spenders. They are loving and compassionate individuals. William on the other hand has it all and then some. I still make sure to work just as hard to teach him all of the life lessons that we did with the girls. Now I also know some parents (ages 35+) that waited until they bought their house, acquired a cushy bank account and landed the job/career they desired. Guess what? 85% of them wished they had their babies when they were in their 20's. I have heard this from so many people I know!

My point is that babies need minimal "stuff" and a whole lot of love. I am not saying to be irresponsible and just have babies for the heck of it. Life has a way of working out no matter what your financial position might be.

What are your thoughts?
Shelly, Mom Files


  1. I agree. Besides, I too had mine young and while it was a struggle at times, the kids ALWAYS had what they needed and then some. They didn't know we struggled. Being financially stable makes things smoother. I do have to say though, for most people, the more they have ($), the more they spend and in the end, we're all in the same boat; just some with BIGGER bills due to a bigger lifestyle and those with a smaller lifestyle with a smaller income. In the end same struggle. just my thoughts, hope I made sense.

  2. Money does not raise a child, it just pays the bills. Today there is too much emphasis on material worth and less on the humanity side of life. My kids have toys and treats and some gadgets. I do not have loads of money and I am not even middle class but my kids appreciate everything they get. Money helps but it does not make it work unless a whole lot of love is the main focus

  3. i agree....babies need unconditional love all the other stuff falls into place. i had three of my children very young; i'm a christian and i can honestly tell you that all of the children were blessings and God continued to bless more than we could imagine. i really think folks have it backwards nowadays when it comes to marriage...

  4. I agree to a certain extent. My husband and I are waiting a couple more years not only for the reasons you listed as your 35+ friends, but because we want time to ourselves as husband and wife first. So many of our married friends aren't stable in their relationships and they start having kids. It seems to only put strain on their marriage.

    Aside from money, there are other reasons to wait when the timing is right.

  5. I thought I should add that we're both 27 :)

  6. I remember reading those before I had children and it really freaked me out.
    So I agree with you. God wants us to be fruitful and multiply to keep the earth going and even before talking about babies, he did promise to take care of our needs.

    I'm in my early 30s right now and wished I had my kids in my 20s. It's not that we waited, it's just when love and husband came, but it's true. Many who wanted to wait until all was set, now wishes they had started earlier.

    Babies do need minimal care and so many things can be shared from one child to the next.

    Yes I agree.

  7. I never get it when people try to plan and over-analyze it. It's like, you should have a sense of how things will go, but you have to be willing to allow things to happen in their own time and, like you said, these things have a way of working themselves out.

    I can say that it was a real blessing having a second boy - we barely spent anything when Bryce was born. He had everything he needs, and he still does, because of his big brother! :)

  8. Interesting! I'm on the fence: I would have liked to have children in my 20s...but I kinda needed my husband for that and I didn't meet him til I was dang near 30. I don't believe in that baby-daddy stuff - I need my children to be born into the right environment! Only because of adenomyosis did we have children when we did...otherwise we'd JUST be thinking about child #1, simply because of wanting to enjoy being childless while we can. =)

  9. Yes! You need MONEY to take care of children. Love is #1 but, in this day and age, MONEY is a MUST and #2 on the list! :) We were 17 when we had our daughter. You already know MONEY was NOT flowing like honey! We made it work and didn't have more kids until we could afford them and to be honest, when can you ever really "afford" children? EXACTLY!! There's always something that will come up. Just LOVE on the babies. Everything will work out :) Just don't have a bunch of kids like Octomom. Ok, lemme stop.

  10. Oh and the rule of thumb. ONLY have the amount of kids that you can comfortably fit on your lap for story time. Ok, I am done. You are going to kick me after all of my comments. LOL! Heyyyy Shelly!!!!

  11. We didn't plan at all! I wish I had them all close together and early.


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