You shouldn't have children unless you want them. Yes you will save money not having children, but that really shouldn't be a consideration when deciding in my opinion. You sound like a friend of mine from college who was doing a pros and cons list trying to decide if he should have kids. There are too many intangibles to make that sort of comparison work.
My daughter has cost me a lot of money and will cost me more in the future. But she has enriched my life in so many ways that in my mind completely offset the monetary costs.
Now on this board this might seem blasphemous, but money is just money and won't bring me the happiness that my daughter brings to my life. Money isn't going to buy you happiness. You need to decide what you want out of life and how to get there in my opinion.
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