then you're in good company, 'cause that's where my husband & i also lurk. we're DINCs - double income no kids. in other words, we decided 10 years ago when we got together that, until we were financially stable, we would not have a child. read, "A" child. unless you're a farmer, is there really a need for more than one? if an extra $400 makes one that excited, perhaps one ought to take a second look at the quality of life one is leading...