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Our first son we "were not ready" for. Our other two "were not expected" either. We made some mistakes along the way, but so do many people who "are ready" and "planning" their families. Life happens...
But the points about having a stable job and insurance are very valid ones. And unless I read it wrong, you and the wife are unemployed or at least not working in your chosen professions. Lots of kids grow up wanting to be baseball players and teachers but find other things. I'm just sayin'.
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Don't always trust the opinions of experts.
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