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Kids are not for everyone but I love mine and wouldn't want a life without her - she's only 4.5 and I'm already thinking about how much I'll miss snuggling with her. The first couple years were fucking awful though and I thought I was gonna divorce my wife at some point.
I am somewhat surprised though at how many of my friends are kidless considering we're all now in our 40s - at this age the choice has clearly been made. Quite a few are childless b/c they never found themselves a partner - especially the women for whom I won't touch the subject with them cause for most of them it hurts.
Financially I don't think having 1 makes THAT much of a difference - I gave up a bunch of expensive hobbies b/c I didn't have time for them anymore and the money was just transferred to the kid. It's when you have 2 or more that it can become a big deal.
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Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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