What's in this episode?: 

Are you nearing the stage of life where expanding your family is a focus or goal?

In this episode, we cover:

• Costs to consider when having kids, and whether these should inform your decision or not
• Why you often have much longer to save for the expenses than you think
• Whether the reality of the finances with having kids versus the idea of it are the same
• How Cat's finances have faired before and after having a child did she stick to her budget or not?
• Whether having kids can actually change your financial habits for the better, not worse 

1. The case for not having kids: Why women are putting the conversation on ice
2. New Zealand's birthrate the lowest ever, but fewer deaths and migration nudge population growth – Stats NZ