Hell, we earn around 4x that much and it’d be a stretch including cost for college to have a kid. Don’t get me wrong, we could do it! We earn a lot. This isn’t some sob story. But it would mean we’d have to retire later or not at all, and have far less money for emergencies and the like. Child care in this area is something like $2,000 a month.
I truly do not know how people do it. Makes me glad neither of us have ever wanted kids.