I have brought up the topic of having children and what a pragmatic attitude towards having children should be before. In an expensive country like Singapore, I believe that having a healthy dose of pragmatism is even more important. For young couples, it could seem like the most natural of things to spend money freely, giving the best they could to their children. However, it might be a good idea to hold back a little. Now, before anyone protests, I am not suggesting depriving children of necessities. I am suggesting not depriving ourselves of a comfortable retirement and I shared a story in an earlier blog post before: A reader discussed with his wife on whether some of the enrichment classes they sent their two children to were necessary. He knew they were spending a lot of money on such classes but he was surprised at how much they actually ......