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Notes -
I am 95% confident that in 30 years I'll be happy I had as many healthy kids as possible. The issue is that we are in our mid 30's so time is on on our side. My brother in law wanted 6 then his second wrecked him and my sister (who is tough) so I'm 70% confident that I could push through 4 which I think is the max we could safely push to at our ages and handle the miseries that will come with having 3-4 young kids. I think it will mostly be on my wife. I'll need to take on a lot of responsibility and cut back on my frugal desires to keep her on board. I think I'd rather have more kids then a few extra hundred grand at retirement.
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