Tree, you would be better off just saying now you ain't having children and get on with your life if that is how you feel.
No amount of saving will put in a position to start a family.....take it from me, you could live five lifetimes of saving but the moment those kids come along a black hole opens up in your financial plan no matter how much you have saved (assuming you are not a millionaire).
Start your family and let life take care of itself.
And it will.......provided you accept the fact that life as you know it is over.
Forever.
You cannot have your cake and expect to eat it.
Your lifestyle will change and you will need to direct your dough toward the raising of those children.
But it's all good.
After a day or two you wouldn't be without them and you will gladly make any sacrifice you need to.
Then one day they wil grow up and your money is your own again
Provided you ain't got a daughter getting married and you are footing the bill for the reception.....like I have had to do twice
But hey.......I love those gals to bits and they are worth every penny I have had to spend feeding them, clothing them, educating them and leading them down the aisle
So go for it pal.....don't let fear get in the way
Because before you know it the old body clock in your wife starts ticking away and it becomes harder for her to conceive......even dangerous on occasion.