Having a child is never easy.

Raising a child takes up a lot of time, money and energy. Parents must spend time and energy with their child to guide his/her every step. Parents have to provide her kid with protection as well as strict guidance so that he/she will not learn the wrong things or habits. Parents will need to engage in their playing activities so as to build up bonding between them.

As a father, I always make it a point to come back home immediately from work so as to spend time with my daughter. As for my wife, since she is a stay-at-home mother, she is able to take care of and discipline our daughter while I am not around.

Having a child is a long term commitment; parents will need to spend a lot of money during his/her growing process. Milk powder, seeing a doctor, enrichment classes, and insurance are not cheap, and these are just part of the cost. Due to that, I find it very hard to have another child as I might not be able to save enough for my retirement fund. I don’t except the money in CPF will be enough, or my daughter is able to support myself and my wife in the future.