The recession may be taking a toll on the nation's birthrate, though one of today's most popular financial experts says it shouldn't be. A new BabyCenter.com study recently found that 2 out of 5 moms waited to start or expand their family until they felt financially stable, but the Today Show's Jean Chatzky says baby-dreaming couples don't need to wait until they think they can afford a baby to have one. By setting up the right savings accounts as soon as a couple learns they are pregnant, choosing proper investment vehicles, and keeping an eye on their retirement plans, couples can feel more comfortable their — and their families' — futures. We spoke with Jean Chatzky about where families' should prioritize and if there is an opportune time to expand their families. See what she had to say!