Ryan NisbetOperations, Delphi · Operations at Delphi

Should you have kids? - We asked three experts

26 Jun 2026 · 1 min

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In this brief panel discussion, three experts share perspectives on deciding whether to have children. Speaker A emphasizes financial preparedness, stating that kids become a growing financial anchor and that prospective parents should have controlled fixed costs, an emergency fund, and consistent investing before adding children. Speaker B focuses on emotional and physiological readiness, noting that children are already choosing parents and that the nervous system reacts before conscious thought, prompting a reflection on whether having kids expands or contracts one's life. Speaker C stresses the importance of parental commitment over perfect circumstances, arguing that the desire to raise children well and willingness to do the hard work matters more than financial stability or a perfectly organized life.

Kids are a financial anchor that gets heavier every year. Your numbers need to be dialed in. That means your fixed costs are under control, you have an emergency fund, and you're already investing consistently.
Your children are already choosing you right now, whether you're ready or not. Does the thought of having kids expand you or contract you? Your nervous system knows before your brain catches up.
You should want them so badly you're willing to do the hard work of raising them well. Not, am I financially stable? Not, is my life together? Kids don't need perfect circumstances. They need parents who are committed to the job.