The cost difference between having a baby in your 20s and in your 30s is significant

"There's never a good time to have kids — you just have to go for it."

If you're contemplating starting a family, chances are you've heard this well-intentioned advice by now.

While it's true that little is predictable when it comes to having children, there's no denying it's as much a financial decision as an emotional one.

After all, the average lifetime cost of raising a child exceeds $245,000, according to the U.S. Department of Agriculture.

That's a price tag that might...

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