What is the desired income level before having children? Assuming one goes under subsidised as well as the long term cost. My father seems to think that me and my wife are not earning enough to have a child. While having a child later might mean we are more financially stable, there is also a risk that we have to spend even more money for things like fertility treatment as well as other unexpected expenses to care for the child if something happens as a result of having a child when one is much older. Any advise or experience to share?