I'm expecting a kid in Jan. It was sort of unexpected (earlier than planned by about a year!). I'm gonna be honest I had a really grim talk with my partner about finances... I don't make tech money right now and my partner is not in a high paid field.

You make good points and I'm looking into all those options now. I have friends who are doing basically everything you mentioned between them.

I do think you missed the extra housing cost associated with children though. It seems like many families simply move out of the urban core when it's time to start or grow their family.