[iron81]

I'm going to guess that to get 90% of your health care costs covered, your premimum is about $200 a month. At $25k/year, you pull in about $1800/month after taxes. So you're spending 10% of your take home pay on health insurance, not too bad. But keep in mind that young adults are about the cheapest people to insure because they have the fewest health problems. If you are 55 years old, probably double that to $400 a month. Probably the same if you have healthy kids. I'll also guess that your rent is $800/month for a two bedroom, which you'll need if you have kids.

So by my wild guesses at your finances, if you have kids you are spending $1200 a month, leaving $600 a month for food, transportation, clothes and everything else. Doesn't seem like much, does it?