> friend needs another 10k to have kids at 28 then 20k at 32 and still waiting

at 28 he needed 10k more in savings reasonable at 32 they moved twice needed 20k more still made sense at 35 they bought the house yeah and at 40 hell need another 50k for the perfect school district or some shyt while the rest of us just had the kids anyway and figured it out later the financial ready crowd is just cope for never pulling the trigger