if you have enough....then should be no problem

Tbh, u can't compare it this way. It's funny to tag a price on bringing up a children Vs FIRE.

depends how old you want to start a family.

my case:

age 23 start work, save and invest till 700k (includes 120k EPF) at age 32. want to save 1 mil for retirement before settle down but well, things did not go according to plan and got married before it. but 300k will not make much difference anyway

children pop out this year. looks like cash flow will be net zero after taking off all expenses and loans

my take home salary is only about 5k

now if you ask me, 700k if taruh all in reits, boleh RE now if single? can. but your life will be just meh.... what are you going to do with 2-3k monthly passive income?

to your questions, yes. it does stop me, but i think life is just not about having single life forever. how old you want to keep on bang FWB and going Pros for sex? how are you going to cope when all of you mamak kaki already stop hang out and jaga kids?