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This is where the difference between affordability and safety come in.

Obviously someone making that much could afford to have kids, but assuming tech hub (e.g. SF) cost of living, it’ll take a few years of salary like that to accrue enough financial padding to be certain that a chain of unfortunate events won’t put them out on the street once the cost of raising a family is added in.

This is why you see a lot of high earners waiting until the last second to have kids, if they do. Financial security like you have while making good money without kids is hard to let go of.



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