And see, that's an entirely different situation than getting knocked up after your hubby's already lost his job.

We considered kids, but we recognize that we're both entirely too irresponsible to care for them properly (we'd do the parenting thing pretty well, I think, but the food and shelter part might be tricky), and we have no desire to completely alter our lifestyles to accommodate children. I think that's actually true about a lot of people, which is why you get kids at younger and younger ages (think 7-10) getting into the kinds of trouble that we didn't hit until our late teens at the earliest.