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If he's a EE then the two of you are spending far too much money on non-essentials.

You have to weigh if you want kids. If so then get used to buying no car newer than 3 years old (depreciation is a killer during the first three years) and driving it for at least 10 years. You don't have to eat out every week. You don't need the latest and greatest of toys (stereos, big screen TV etc). You don't need more house than you can live in.

All these 'things' are but dust. Only children live on after you. (And I've never gotten a hug from my car yet)

You assume a lot. My car is 7 years old, paid off for 3 years. His car is 4 years old and almost paid off, but last car was 12 years old when we bought the new one. We buy new stereos, tv's, etc. when we need them (i.e. the old one broke) and they are nothing fancy; no 65" big screens for us. We have an unassuming 3/2 on a small lot we bought 2.5 years ago. We pay our credit card bill off every month. And he's got a school loan we're paying on.

We don't believe in living in debt. We also don't believe that the neighborhood we live in is a place to raise kids. It's safe, there's nothing wrong with the neighborhood per se, but we feel that a kid needs some land to run on. And we're looking for that now, but it needs to be the right place for us. Which means fitting in our budget (difficult right now in Central Florida), being close enough to work that we're not driving half the day to get there, etc.

I will say that we do eat out frequently, but that's out of convenience since we both work. If I were to stay at home with kids, part of that job would be preparing meals.

And, like I said, we could squeek by on his income, in our current home, but we don't feel that's any way to bring up a family, in that we wouldn't be able to save for any unforseen hard times and the things mentioned previously.

We've also only been married 3 years and we're trying to enjoy that first. I'm not going to stress about having or not having kids. I believe when God wants us to have them, it will be, and we'll be happy with the blessing.