Is four kids enough?
The Beckhams can afford as many kids as they like – but should it be a factor for the rest of us?
Last year, was a kak year financially wasn’t it!? Let’s face it, aside from the World Cup bringing its good cheer, most of us had to avoid selling our bodies to get through the year.

And I will admit, that I sometimes, however fleetingly, wonder just how different my life would have been had I not had 3 children, in terms of finances I mean. Rest assured I would not change it if I had to do it over again.

However, I am not very happy with former red devil David Beckham and his wife Victoria for having another baby. This brings their happy brood to 4 and sends out a message to the rest of us mere mortals that ‘go forth and multiply’ still applies.

Who can afford 4 kids these days? Well it appears that the Telegraph’s Geraldine Bedell has the answer: ‘The only couples who have four children these days aren’t really couples at all. Either they’re brands, selling thousands of cookbooks faster than you can boil an egg (see also Jamie and Jools Oliver), or they’re people who resemble the cast of Shameless and don’t stay together long enough properly to qualify as couples. They’re the people who can afford not to be bothered about the fact that children are extremely expensive and time-consuming and keep you up half the night, thus preventing you from earning the £193,772 of disposable income they’re going to cost you until they’re 21 – and that’s without educating them privately.’

The really insane thing about having ‘too many’ children is that the extremely poor also do it, though probably due to poor education and real ignorance to the consequences, I’m sure you’ll agree.

But let’s try and look at it from an accountant’s perspective. Should we be approaching the issue of becoming parents from a financial perspective as a matter of parental qualification? I mean, should you be allowed to have children only if you can really afford them? Kinda like applying for a bond at the bank, can you afford to service the bond?

In certain cultures governments actively provide cash incentives for having smaller families, while in others the social welfare systems are geared towards rewarding families with more children.

I would argue for a financial viability audit of all parents before they have kids. The financial impact is huge and has all kinds of stressful implications on the relationship between the two parents as well as with them and their kids. We seem to know instinctively that we cannot afford a new car, or an expensive holiday or whatever our disposable income restricts us to. But maybe the reason why we don’t apply this logic to our decision to have kids is that if we were shown that it would indeed costs us £193,772 to raise our little angels, no one in their right minds would ever, ever have another child again.

Should finances be a factor in deciding to have a child?

Read more by Marlon Abrahams

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