re: At what income is it irresponsible to have kids?

College doesn’t have to be that expensive depending on where you live.

Wife and I have raised (are raising) 2. 1 in college, 1 a HS Senior.

Both have good enough grades they get (or will get) the Zell Miller Scholarship (Free Tuition at any state school). This leaves them with approx 12k a year in room and board expenses each.

They could pay that on their own with a part time job. But we help them to the tune of 8k each per year. The other is their responsibility. By the time they are seniors this should disappear as an expense for the wife and I.

We didn’t save any for their college. Cash flowing the whole thing.

While they were young we didn’t earn near as much as now. Around 60k a year at the start.