I feel ya. I waited until I was at a point where we could afford to have a child and electricity/housing/student loans. By then, it was too late for us. It’s probably for the best. I’ll never be able to afford to put any money aside for a child’s future. I’ve paid off all of the money I borrowed for school and I still owe significantly more than I borrowed. I’ll likely pay on them until I’m dead. They’re more than my monthly mortgage and eat up 25% of my take home pay.