Everyone's circumstances are different. There are plenty of early retirees with similar backgrounds to my own that have kids (Mr. Money Mustache himself has a kid, for example, and retired at 30!) We currently have no kids. But I find the "kids are expensive!" thing is usually pretty overblown / not very creative about solving any problems. Kid spending is similar to the emotional and socialized high-spending expectations that plague the wedding industry. If one applies the same creative simple living strategies outlined in this article, there's no reason kids should increase one's expenses _that_ much. Saving up an extra $100k per kid is probably more than enough, and wouldn't delay an early retirement by more than ~6 months to a year in most cases.