This may sound harsh or rude, but...

Did anyone else here put an extreme amount of thought and planning into TTC? I feel like everyone I know that is pregnant just did it on a whim and never considered the financial responsibilities. I'm a very analytical person, everything I do is calculated to ensure the best possible outcome, and that includes being financially stable when starting a family. My husband and I were married when I was 23 and he was 26, now I'm 26 and he's turning 30 soon. We just started TTC. We've both been in our careers now for several years, bought a house shortly after getting married, paid off debts, and have each had several promotions and raises. We have a good savings account and have followed a strict budget over the last two years to ensure that we would be financially ready to have a child at a certain point, which is now. I feel like there are a lot of things people don't consider before conceiving, such as the cost of the delivery and daycare, all things that I have strategically budgeted and saved for the last few years. I mean, daycare alone will cost $900+ a month! I feel like most people can't just suddenly come up with that kind of money without some sort of planning ahead. But yet I see people get pregnant and I watch them financially struggle afterwards and I can't help but wonder... why did you do this? Everyone knows that kids are expensive, but people casually get pregnant on purpose and then end up on some sort of government funding to help support them. It drives me crazy! I feel like if you're not financially stable, or even mature enough to make sure that you are financing stable before conceiving, then you probably shouldn't start a family. Am I the only one who feels this way? Can anyone explain why people do this aside from "they just wanted a baby!", because that is such a bad excuse to me if you can't even provide a good life for your kids!

UPDATE:

I've noticed that literally almost EVERYONE took what I said completely the wrong way. But I'll help clarify, even though I feel like I was already very clear.

1. Definitely not here to "humble brag". If I was, why would I post anonymously? Doesn't make much sense, right? 

2. In my post I'm very clearly talking about people who literally cannot afford to take care of their children, as in feeding them, providing a safe home, and clothing them. I'm NOT talking about people who can't afford to take their children on the most luxurious vacations and buy them the nicest stuff. Because did I ever say that was important? No. That's all fluff and not pertinent to a happy healthy life. What I AM referring to is people that decide to get pregnant when they have no financial stability, meaning they barely makes ends meet and could potentially end up on government funds or on the street. Does that sound like a happy life for a child? I personally don't think so and I think it's selfish to bring a child into the world just to subject them to poverty because you were too careless to plan beforehand.

3. All of you saying "it's none of your business!"... Literally everything shared on this app is no one's business. So that's a ridiculous point. Everything put on here is up for discussion even though it's technically no one's business. So let's move past that and just discuss like adults, okay?

4. All of you saying "if you wait, the time will never be right" or "you'll be waiting forever if you want to be financially stable"... those are very moot points when I explained that my husband and I are currently TTC. Obviously we didn't have to "wait forever" and the time did in fact become "right", because here we are hoping to get pregnant any time now. So again, timing and planning is very important, especially if you don't currently have enough money to even pay for necessities, like rent and groceries. Wouldn't it make sense to wait just a little while, even a few years possibly, just to be sure that you could atleast afford the necessities for your family? I feel like that's logical. 

5. To the people who claim babies don't need money, they just need love... how ignorant and naive are you? Yes, babies and children need love above all things, but do you know how you provide them with clothes, food, shelter, and other necessities? You do that with MONEY. Or am I the only person who has to pay for things? 

6. It sounds like most of you are totally okay with people needlessly living off of welfare and other forms of government funding. I personally am not, because as a working person who has to contribute to all these programs, I do not like idea of people taking advantage of the system and using it as a fall back for their own careless decisions. If you want to have a baby but you don't take any time to actually plan it out and assess your financial situation, how do you know if you're even capable of providing for that baby? Do you just do it on a whim and hope for the best? If all else fails then the government is there to support you? And if not, then you end up on the street? Again, that way of thinking sounds extremely selfish and irresponsible, and only contributes to our failing government.

7. Lastly, I'm aware that nothing in life is guaranteed and that things can suddenly happen that put you in a bad financial situation. But I recall saying that I try to plan for the best POSSIBLE outcome, not the best absolute outcome. Obviously nothing in life is absolute or guaranteed no matter how much you plan, and I'm not naive to the fact that I myself can lose every penny I have. However, I did and continue to do my best to prevent and protect my family from financial struggles by taking a little time out of my life to plan ahead. It required some sacrifices as everything does, but I know it'll be so worth it when we have a baby and can have that little bit of peace of mind knowing we tried our hardest to provide a good secure life for our child.