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Yes, only an idiot wouldn't plan out such a large decision. Seriously, an idiot. That would be extremely irresponsible, especially given all the many, many birth control methods available. We waited till we had the time and resources available. We are older parents, I suppose, but I wouldn't have it any other way.
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You will discover that when you have kids, all the assumptions you had about what it would be like to have kids are correct. They are approximately about as much work, every bit as fascinating and just as much money as you predict. Anyone with a moderate amount of self-awareness will come into parenthood fully cognizant of the challenges and rewards.
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