<human>: Throwaway, friends on reddit. 

My fiancé and I started dating in undergrad, and we will be getting married this year on the day of our 5th anniversary. We both went to college really young - I was 16 at the beginning of freshman year and he was 17 (I skipped 2 grades in school and he skipped one). We both wanted to start a family in early 20s. 

Luckily for us, I believe we could afford it - we went to a famous university in a large city and both got really good jobs after graduation at boutique investment banks, and have been working for the same companies for slightly over 3 years. Last year I made around 350k with bonuses and he made around 300k also with bonuses (both numbers before taxes). I believe that is more than enough money to start a family, however, my parents insist that it is irresponsible to start family so early even if "I think I have money" because the money will not last. I think they are unreasonable - my fiancé and I are pretty frugal and we save a lot. We are about to buy our first home next year and we would not be taking a mortgage as by that point we would have enough saved to pay it up front. 

My friends seem to agree with my parents saying that we "don't understand how expensive it is to have a family", however, my fiancé and I looked at the numbers and it does not seem like we will go bankrupt over having a child anytime soon. Neither of us is planning to stay home with the child for longer than a month or two - I know daycare or nanny for a baby is expensive, but it does not seem outrageously so. 

I guess my question is - should I try to continue persuading my parents and friends that we can, in fact, afford a family, or should I give up on explaining things to them and just go ahead with the plan. Thanks in advance for advice.

Can you condense the text into a few key points?
<bot>: parents and friends think that because I'm young I can't afford a family, I believe that I make more than enough to be able to afford one.