If you are married and do not yet have kids all I will say is that your life will be drastically better with kids than without them no matter what your financial position is. Stop waiting the right moment. The right moment with the day after you got married.
I don't have children and I'm not married, financially single that's how it is!
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You better start dating then. Your time is running out. Your finances have no bearing on your actions. I'm not sure what financially single means.
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