I had been working as a kindergarten teacher for 2 1/2 years before we got pregnant with the Captain. Hubby had been working for a little bit longer than that, and we had saved up a little bit of money, but not as much as we should have saved, considering we had two incomes and one car payment. Some people are big planners and wait until all of their ducks are in a row before starting a family. That is very smart, and we tried to do it, but I think it is also true that if you wait until you have enough money and everything is "ready," then you will be waiting forever. Kids are very, very expensive! You do need to be aware of your financial situation and make a plan.
Three kids later, and I'm beyond thrilled to say that we are debt free. We have been blessed, and it is something that we are proud of, but we should be saving more money for the future, as well. The moment we became debt free, it was like a huge weight was lifted off of our shoulders. And saving money creates a new confidence that we will have the funds needed when the Captain wants to play an expensive sport, D wants to start music lessons, or Baby Brother needs to start preschool. Having extra money on hand is always a good idea, because there are many, many instances that come up when having a little bit of cash proves very useful.