Back Story | My husband and I have been married for almost 3.5 years. We moved into our home last June. As of January my husband will start his health insurance through work (you can stay on your parents ins. til 26 even when married in Ohio). My dad's insurance will no longer apply to me Oct 31 2017 so we have to start my husbands insurance in January so I can be added come Oct. With that comes the final step in our "realistic things to accomplish before baby." Saving the money in insurance allowed us to have our home and other things paid off, but also made it so we had to wait to conceive since a child must be added to a parents insurance. We also finally feel we've reached the point in our marriage that having a baby wouldn't ruin us as a couple.