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Having a kid might slow you down a few years from what I've seen. Banks don't really like mat leave, and you most likely will take a while to make what you made before mat leave on paper. Plus with the loss of income will you be draining your savings? You will also have an added liability, and expenses so most likely unable to save additional down payment. You're screwed if your wife decides to stay home and take care of kids and not return to work. Unless you're able to make up for the lost income, accumulate savings.
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