Quoting TheNuge:" Yes, the paycheck and expnses matter greatly in this arguement. I was raised in a middle, middle-class ... [snip!] ... have or nearly required like new clothing for school and jackets in the winter. so, "paycheck to paycheck" is very subjective."
My parents own a huge kick ass house with a pool and 4 bedrooms, and they bought it in 1986 (cost was lower then) lol but they were young early 20's I was 3 and my brother was 6.
But they have always lived paycheck to paycheck and still do know. And they both work mon-fri My dad gets paid from 8am to 4pm at 25.00 an hour plus overtime and all those nice extras, and my mom makes slightly more then my dad and works mon-fri from 8:30am to 4:30pm.
But still live pay to pay. lol when I was a kid we went on trips did fun things sports etc.....but still did pay to pay.
I live pay to pay and still put at least 300 in savings a month for years, I have crazy savings now. lol And my kids are happy healthy and they do sports and and we do movies twice a week. and eat well and they wear clothes etc....
It is very subjective when it comes to pay to pay. But it also depends on how parents spend their money, is it on the neccesities their family needs or the wants of the family.
I think if a couple is barely living off of their income every month and needs huge amounts of handouts, it would not be the best time to TTC. If it happens it happens.
But I hate wehn parents have kids, cause they think their money troubles will be over due to "more" assistance or better child tax etc....Its not right at all. lol