My husband and I are trying to pay off our $15,000.00 in credit card debt before we have children. But we're both getting very antsy. My husband is 27 and has type 1 diabetes so he's worried about infertility as he ages, but we realize it will take a while to pay off this debt. Is it worth it? How much do new babies REALLY cost. So many people have said, "you're never financially ready" but we want to at least feel like we have a grasp on the actual costs. ANY advice will be great. Thanks!