Selfishly I’d say yes to the 1 kid. It helps that both of us have decent enough jobs but having only one child has afforded us a fair bit more financial freedom than many of our our friends who have 3 or 4 kids. I honestly doubt that we would be in the financial position we are now or have travelled anywhere near as much if we had more kidsSo your advice to your 20 year old self is only have 1 kid and fly bussiness class ?
but drinking is fun. You drink more once you start having kids. You need it for sanity.I was 20 in 1988.
Stop drinking (I very rarely drink these days. Haven't had alcohol for at least 3 months at the moment)
Stop smoking (I gave up December 2017)
Just to do some maths on smoking to give you and idea. My wife and I both smoked, she had actually quit for 13 years but took it up again when we were living in an outback WA town for 7 years. Before we quit, she was smoking 3 x packets of Longbeach 40s per week and I was smoking 5 x packets of Peter Jackson 30s per week. I am currently in a Pilbara mining camp and at the canteen last night I looked at the price of smokes. The Longbeach are $68.50 per pack and the Peter Jacksons $55.20 per week that's $481.50 per week, every week of the year, after tax. On average, we paid about 40% tax between us for the year, so if you work that figure out on a pre-tax cost then someone would need to have a job grossing $41,730 per year just for cigarettes.
Are you good enough that you're ever going to make a living from playing footy? If not, find something else to participate in. Do you need an ACL, broken leg, broken ankle, shoulder reco etc interfering with other aspects of your life for nothing.