More Than Any Amount of Money

From medical costs and diapers, to childcare and beyond, it costs money to raise a family. But children are worth more than any amount of money. Monkey Business Images/Shutterstock

Dear Dave,

My husband and I are both 29, and we have good jobs that allow us to bring home $100,000 a year combined. Recently, we began talking about starting a family. We live on a budget, but we still have about $15,000 in credit card debt and student loans we’re working hard to pay off. Do you think couples should wait until they are debt-free to have children?