Are you nearing the stage of life where expanding your family is a focus or goal?  In this episode, we cover:  Costs to consider when having kids, and whether these should inform your decision or not Why you often have much longer to save for the expenses than you think Whether the reality of the finances with having kids versus the idea of it are the sameHow Cat's finances have faired before and after having a child - did she stick to her budget or not? Whether having kids can actually change your financial habits for the better, not worse If you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend. Join the conversation on IG @itsnosecretnz Check out our website and show notes at www.itsnosecret.co.nz