Anonymous
My partner and I have been working for about 3 years and are planning for a 4 RM HDB plus two children. But our total pay only adds up to $7k per month. We are quite worried because of the cost of a flat and having kids are not cheap, and we aren't getting any younger... Both in the late 20s. We know it defers for every couple, but just wanted to get a rough estimate? Thank you...
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There is no benchmark for that in my opinion, more of whether you guys are ready to have kids and all the intangibles of raising a child. Working around with budgeting based on your current income is the best.
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Don't worry too much, it will take away today's peace and present. Live within your means.
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Kent Toh
22 Sep 2021
Consultant at Sprinklr
I was once like you. Wondering how much it takes to have a child. Will I be sufficient. But then I realise its not so much about the money. Its more about alignment with your partner and how time don't wait for us. I put it down on a post-it. By this age, we want to get married. By this age a house, by this age, first kid. etc. And then we realise we got no time to lose as there will be a snowball effect. So don't worry take action! Plus its not like you want then it comes! YKWIM!
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Like you said, it defers for every couple.
I feel you should set your own specifications first.
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How much you earned is never enough if keep upgrading the lifestyle. important is have an investment portfolio and constantly stream of income beside our day job.