Money is not everything, but it's right up there with health and family. One area does not necessarily have to be sacrificed for another. However, I wonder what impact having kids early in your life has on ones risk levels and future financial success. I've always had the attitude of building a solid and secure foundation prior to starting a family, first things first... We did this and had our first child in our early 30's, now we can provide her great opportunities in life. Theres never been any financial pressure or worry about risk for any financial endeavors since then because a good base was set up. Comparing to a few sets of friends at the same time we were all starting, they all had multiple kids in their mid 20's, and, 2 of those 3 couples had multiple properties. Fast forward 10-15 years, those properties are gone and they are living week to week as far as I know. In fact, I believe the properties went around the top of the last Sydney boom and it was all downhill from there due to the pressure of extra responsibility of kids. Obviously, some people will have it all, and some will do it at a young age, but generally something will have to be sacrificed somewhere in this life. Does anybody else have a similar story or situation?