dawgbyte77 said:
Photography, you can earn back the money you spent doing weddings. Babies... maybe you can also have ROI but 20 years in the future and as with all business, its not guaranteed. Depends on moral inflation.
If you are thinking of ROI for babies, then probably it will be a negative returns! How many of us actually help to feed our parents now? If still single, we have to pay for ipods, games, nike, etc.. If married, then most of our $ will go to our wifey and co., house, car......
The best time is still from yr 0 to yr 8, then probably due to the government interference (of course not on purpose) will make your maintenance costs too exorbitant (such as tuition fees, school fees, exam stress, etc..)
So i say, take good care of your babies, wifey, home and parents but don't forget your photography, it will come handy when your kids are big and yr wife has other interests beside you ..... maybe just get some low-cost, low maintenence P&S cam, and forget about going for paid-model shoots.