[smackfu]

Right. Kids do tend to be a quadruple whammy though:

* Basic living costs (food and clothing and fun).

* Childcare requires either expensive daycare or a parent not working / limited working.

* Money needs to be saved for college.

* Require more bedrooms, which drives up housing costs although it's arguable whether this has an impact on net worth. (This may be double-counting the first point, but going from a $100k condo to a $400k house because of a child is more than just living costs.)

Add those up and yes it probably takes another 10-20 years to meet your net worth goals. OTOH, you have a safety net when you get older. And, you know, a kid.

[guga31bb]

Also in some areas housing is much more expensive in areas with good public school districts.