Starting a family is an exciting time. I can say from personal experience that the days are long but the years go by fast. The days get extra long when you find yourself up multiple nights in a row with a baby that doesn't sleep! Outside of those occurrences, there isn't much more in life that can bring you as much joy as being apart of a loving family. However, regardless of what your family dynamic is, you shouldn't let your financial wellbeing take a back seat.