If the general point is that kids are super expensive - I dunno about that.
I'm happily childless in my 30s, and when I look around at my circle of friends, those who had children early tend to have more stuff and more savings.
Why? Because children force you to live a stable, boring life. And overall that reduces your costs more than having children increases them.
For instance, when my friend Bob graduated, he stayed in my home town and bought the a fairly cheap house that he could afford, and he's still in it. I moved city to get the best job I could, and did it again, and then again.
While I've been off increasing my earnings, Bob has been accumulating actual stuff. He lives in a house he owns outright, while I've only ever rented. He has great furniture and kitchen stuff, while I have cheap things because I know that when I move, it'll cost more to shift them than to buy them again.
And moving city and breaking up with partners and changing career, and all these things that childless people do because we can are really expensive. It's hard to accumulate savings when you end up buying a new washing machine every 2 years.
And he has kids, which when you think about it is a great addition to your retirement planning. Even if the stock market crashes and wipes out your investments, well raised kids will let you move into their living room and give you a bed bath.
I know someone who churns credit cards systematically (you know, follows a regimen like suggested in the article) and has been traveling with his family around the world for years, taking trips every 4 to 6 weeks.
That doesn't sound too "boring".
In fact, we churned cards a few years ago to pay for our trip to Europe. We took our toddler.
I would like to know where this "boring" life is that parents have. At times, I could use some of that.
Countries in Asia are not too bad either. As a rule, countries with weak laws protecting customers from customer debt are more likely to have good deals on credit card...
Credit cards need to get money and beside the interchange fees, the late fees and interest rates are where they get their money.
