Matt, I've got a couple of those myself. I think they're one of those "back-end" deals--they really don't seem terribly expensive up front, until you start thinking about tuition bills, cars, car insurance, etc. awaiting you down the line.
So let me get this straight--you are desperate for kids, but your wife wants to live a wild, no-kids, spending every night at the bar till closing time lifestyle, right? That's how it usually works
