Finances is not a worry, yes raising children is an expensive business but that's something we'd cope with.

As for those of you who take issue with the fact I want to be around/part of a family in my older years; it isn't a crime. I have a close relationship with my mother talking to her on the phone most evenings and I believe family is important so why is it an issue that I worry about not having that in later life ??

I'm not naive to the work, energy and emotional rollercoaster that having a child poses. That is why I'm taking the process of making the decision so seriously unlike one hell of a lot of people !