Should You Have Kids If You Can’t Afford Their Future?

The Thorn

How financially prepared should someone be before having children?

One person is questioning whether it is responsible to bring a child
into today’s world without being able to guarantee them a financially
secure future.

They are not only thinking about food, shelter, and childhood
expenses. They believe parents should be able to provide a fully paid
education, support into adulthood, and even help with the purchase of
a first home.

With rising housing costs, expensive education, unstable jobs, debt,
and so many adults struggling to stay afloat, should someone wait to
have children until they can afford the future they imagine for them?

Or can the desire to eliminate every possible hardship become a level
of fear and certainty that no parent can realistically achieve?

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Inside This Episode

Love, stability, and the responsibility of parenthood

Having children is a major decision, and Bri does not treat it
lightly.

Financial stability matters. Children need food, housing, healthcare,
education, safety, guidance, and parents who are willing to make
sacrifices for them. But money is not the only factor that determines
whether a family can be healthy, loving, and strong.

Bri challenges the idea that someone must fund twenty years of a
child’s future before becoming a parent. No parent can guarantee every
opportunity, protect a child from every hardship, or know exactly what
that child’s future will become.

At the same time, love should not become an excuse to ignore
responsibility. Bri explains that someone facing severe instability
or struggling to meet basic needs may need to wait before adding more
responsibility.

She also shares how she and her husband waited years before having a
child together. They wanted a larger home, greater stability, and the
confidence that welcoming another child would not take opportunities
away from the children they were already raising.

The goal was not to predict and fully finance every year of a child’s
life. It was to begin from a place of love, intention, stability, and
a willingness to continue growing as a family.

Key Wisdom

What this conversation asks us to consider

 

Parenthood should be genuinely desired

Children deserve parents who truly want the responsibility of
loving, protecting, guiding, and raising them.

 

Money is one factor, not the whole foundation

Financial resources can create stability and opportunity, but they
cannot replace love, presence, character, consistency, or care.

 

Love and responsibility belong together

Loving a child also means thinking honestly about housing,
stability, family capacity, existing responsibilities, and the
sacrifices parenthood may require.

 

You cannot guarantee every part of a child’s future

Parents can prepare, save, plan, and provide, but they cannot predict
every opportunity, hardship, decision, or purpose their child will
encounter.

 

Sometimes waiting is the responsible decision

When someone is already facing extreme financial instability or
struggling to meet basic needs, it may not be the right time to add
more responsibility.

 

Preparation does not require perfection

The goal is not to have every future expense completely funded. It
is to enter parenthood intentionally and remain committed to
growing, providing, and showing up.

Featured Quote

Featured quote from Episode 11

“Money is only one factor in raising good, solid children. One of
many. The main thing you need to have is love.”

Bri Smith, CPA

Biblical Reflection

Responsible preparation should not become controlling fear

Financial preparation is an important part of stewardship, but no
amount of money can remove every uncertainty from a child’s life.

In this episode, Bri points the writer toward Jesus as the Prince of
Peace. The problem is not that they are thinking carefully about
parenthood. Thoughtfulness and responsibility matter.

The problem begins when preparation becomes constant anxiety, when
every future hardship must be prevented, and when peace depends on
having complete control over circumstances that no person can fully
control.

Faith does not remove responsibility. It gives us peace while we make
wise decisions, accept what we cannot guarantee, and trust God with
the future we cannot completely see.

Reflection Question

How financially stable should someone be before becoming a parent?

Are love, commitment, and a willingness to grow enough to begin, or
should certain financial milestones come first?

What Is Your Thorn?

Some questions need more than a quick answer.

Money, marriage, parenting, family, faith, and responsibility often
overlap. When the answer is not obvious, you deserve a place to talk
honestly about what you are facing.

Submit your Thorn Letter and your situation may be discussed
anonymously in a future episode of 13:22 Life.


Submit a Thorn Letter

The Audacity: Money, Marriage and Family Boundaries

The Thorn


When does helping family become enabling, entitlement, or financial harm?

This episode brings together five difficult financial situations
involving divorce, addiction, debt, marriage, family obligations,
and inheritance.

One person is questioning whether they should continue supporting an
ex-wife and her children after the marriage has ended. Another is
struggling with whether giving money to an addicted sibling is helping
or making the problem worse.

A married couple is divided because one spouse continues giving money
to his parents without agreement. Someone else must decide whether IRS
debt or credit card debt should be addressed first.

And in one of the most complicated letters, a parent is wondering
whether an inheritance left for one child should be shared with a
half-sibling because of guilt surrounding an affair.

Across all five letters, the same question remains: how do you practice
generosity without abandoning wisdom, responsibility, and healthy
financial boundaries?

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Inside This Episode


Money, marriage, family obligations, and the audacity of entitlement

Money problems rarely begin with money alone.

They often expose broken boundaries, guilt, entitlement, addiction,
dishonesty, poor stewardship, or unresolved conflict within a family.

In this episode, Bri Smith, CPA responds to five Thorn Letters that
require more than a simple yes or no. Each situation asks the writer to
consider not only what they can afford, but what they are responsible
for, what they may be enabling, and what their decisions are doing to
the people closest to them.

Bri explains that the end of a marriage generally changes financial
obligations outside of what is legally required. Continuing to support
an ex-spouse or children who are no longer part of your household may
be generous, but it should not be treated as an unlimited entitlement.

When addiction is involved, giving money can become especially
dangerous. Love does not always mean providing cash. Sometimes the
most loving decision is to support recovery, food, shelter, or
treatment without directly funding destructive behavior.

Bri also discusses why IRS debt requires urgent attention. Credit card
debt can be expensive, but the IRS has collection powers and penalties
that make tax debt especially serious.

In marriage, generosity toward parents should not happen secretly or at
the expense of the household. Financial unity requires honesty,
agreement, and shared priorities.

Finally, inheritance should not be redistributed merely to relieve
someone else’s guilt. The wishes of the person who created the estate
should be respected, especially when those wishes were clearly
documented.

Key Wisdom


What these Thorn Letters teach about generosity and responsibility

Boundaries are not selfish

Healthy boundaries define what you are responsible for and prevent
generosity from becoming an expectation that damages your own
household.

Helping should not fund destruction

Giving money to someone struggling with addiction may feel loving,
but unrestricted cash can enable the very behavior that is harming
them.

IRS debt should not be ignored

Tax debt deserves serious attention because penalties, interest, and
government collection powers can make the situation increasingly
difficult.

Marriage requires financial honesty

Supporting relatives without agreement can create distrust. Married
couples need transparency, shared priorities, and clear boundaries
around family assistance.

Your household comes first

Generosity should not repeatedly place your spouse, children, bills,
or long-term financial stability at risk.

Inheritance wishes should be honored

Guilt does not automatically justify changing someone else’s estate
plan. Respect the intentions and instructions of the person who left
the inheritance.

Featured Quote


Featured quote from Episode 10

“Love her to life, not to death.”

Bri Smith, CPA

Biblical Reflection


Generosity must be guided by wisdom

Scripture calls believers to generosity, compassion, honesty, and care
for family. But biblical generosity is not the same as saying yes to
every financial request.

First Timothy 5:8 reminds us of the responsibility to provide for our
own household. Galatians 6 also teaches that each person must carry
their own load.

These principles are not in conflict. Together, they show that helping
others should not require abandoning personal responsibility,
endangering your household, or supporting destructive behavior.

Sometimes love looks like financial assistance. Other times, it looks
like truth, accountability, treatment, a firm boundary, or a refusal
to participate in an unhealthy pattern.

Stewardship requires enough wisdom to know the difference.

Reflection Question


Are you helping someone, or protecting them from the consequences of
their own decisions?

Where might guilt, pressure, secrecy, or fear be influencing a
financial decision that requires clearer boundaries?

What Is Your Thorn?


Some financial decisions are really relationship decisions.

Money, marriage, family, guilt, generosity, and responsibility often
overlap. When the answer is not obvious, you deserve a place to talk
honestly about what you are facing.

Submit your Thorn Letter and your situation may be discussed
anonymously in a future episode of 13:22 Life.


Submit a Thorn Letter