Oh yes, i totally understand. Alot of our friends are pregnant, including a close friend of mine, who is having some money problems. Almost all of our social circle is either pregnant or has a child. Argh. It can be so frustrating. We can totally afford a baby, we have a nice home, i have my OH and a great supportive family etc etc etc. Its hard when you know you're ready but something is holding you back. But we're all waiting for the right reasons, we could be selfish and just do it, but we're being sensible!