India, Sept. 2 -- A couple earning nearly Rs.4 lakh a month has decided to delay having a child because of the financial pressure created by the recent home loan, according to a case shared by a SEBI-registered investment adviser. The case has sparked a discussion online about housing affordability, financial planning and how a large long-term EMI can influence major life decisions, including having children.

Vivek S G, a SEBI RIA, shared details of the couple's finances in a LinkedIn post after the husband approached him for advice on accumulating Rs.70 lakh by December 2028, when their flat is expected to be handed over.

Vivek shared that the husband earns Rs.2.35 lakh a month and saves Rs.84,000, while his wife earns Rs.1.61 lakh and...