I have 4 kids. Running my own business helps because of the flexibility. But the costs of living is something i did not expected to be so high. 3k per month for daycare/afterschool. Memberships, food, clothing, electronics etc. expensive housing, insurances. We easily spend 8,10k per month without saving anything. Nevertheless I love to have kids. Best investment ever.
Thats not the kids. Thats your lifestyle. There are people with kids living in the jungle on tubers and pigs.
Famously easy to switch to this when you live in an HMO in Statesville, State USA or a housing development in Suburbiton, Townshire UK.