[surgical_fire]

I can't speak for anyone else.

Me and the wife only decided to have a child after finances were in order. If finances were not in order we wouldn't have had a child.

Affordability was definitely a factor.

[darkwater]

I don't think anyone is denying that here. What we are saying is that, all the other parameters equals, being together more time gives you more time and chances to have sex and get pregnant. I'm pretty sure it also increases in some couples the chances of potentially deal-breaking conflicts, but that's another topic...