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Not DINK but I can understand why some couples choose that path. The financial calculation is very real. But I don’t think it’s fair to say DINK couples are only thinking about money. Some genuinely prefer a quieter, freer lifestyle, while others may have weighed both and decided kids are not for them. Different life choices lah.
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Life-style driven AND financial calculations. It is totally related. If I had a kid, other than time and energy, I'd need more money, which then eats into my time and energy because I'd have to delay retirement for many years to earn enough.