being the child of a mother who did not want a kid.... originally
My parents had me at 39. They weren't sure that they wanted kids. One thing that they did to test out (and you have to have tough skin for this one) is that they became foster parents for younger children. After some time, they decided that they wanted a child, and well, Thanksgiving 1985 had me (gotta love it when your dad is on pain meds and volunteer all sorts of wonderful information).
Anyways... you still have a few years in you. Yes, money can be a factor, but you can also give your child a wonderful life at a much less cost with being creative.
Personally, my mom is glad that she had me. She has been able to give to the community while being a great mom by helping out in the class room, leading my Girl Scout troops, helping drive other kids to practices, etc.
It's a tough decision, I wish you the best. Please keep me updated.
JP