My first unsolicited Father's Day gift. Priceless. I am out of point? Quite ex. We bought insurance for him, had an endowment plan for his university, cord bank on top of the most hefty expense of education. I think it will add up to a thousand a month? At least? He has no tuition by the way, only swimming lessons. If u want a child but worried about your finances, u should, if u are in bad debt. But if u are thinking about saving 60k or X amount before having a kid. I say forget it. The older you are, the lower the chances. My friend wanted "stability" before marriage. He told me the 60k to Pay for this and that. That was 6-7 years ago? 2 years ago I was his "brother" for his wedding. Recently, he told me he married too late and is very worried ......