Hi Musicmaker and Anita. I can relate to the situation of not making enough money and not seeing my life progress in the manner I wanted it to. I consider myself a “late bloomer”. What worked for me was a)jumping in and doing it anyway. My wife and I had our first child when I was 38 and second when I was 40. We could not afford it at the time though now a few years later and we are in a much better position. I figured if we waited for the perfect moment…we’d be waiting for a long time. Besides, I just went to a service yesterday. My sister in law lost her dad and he was only in his early-mid 60’s. She had put off having kids because her husband doesn’t make much money and is a college student in his 30’s. I don’t know if that decision will become one of regret now that her father is no longer here (I hope not but don’t know). Maybe it’s just me but I find that sad. Putting things off can have unforeseen circumstances. But really the thing that helped me most- was taking control of my life by setting a clear goal and vision for myself. I wrote a Life Vision Plan to get over the hump. Once I took charge and gained clarity- things happened and quickly. Without that discipline and soul searching tasks, I would still be stuck in a dead end job, and underwater with the monthly bills.