Within two years, they plan to get married and go on a honeymoon: cost $25,000. In two or three years, they hope to have their first child, followed by a second one later. “We would like for one of us to be able to raise the kids, with one of us possibly taking time off,” Ken writes. “Do you have any financial suggestions on how to manage this?”

-------

I love how they write it as if it's so easy to have a child. In 2-3 years, the wife will be 35. That is the age where things start to go wrong and it starts to become harder to have kids. They might need to budget in IVF if they can't have children. They need to see whether they have any maternity/paternity benefits from their place of employment. No FA will tell you that.