43. Why 20-Somethings Feel Like They Can't Afford to Have Kids

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 

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Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz