Kids are expensive, as are acreages.
You need to maximize your earning potential pre-kids. That means Calgary. Higher earnings will always trump more efficient savings when it comes to long term financial planning. her job is portable. She should try to find a location that pays as well as possible for the next bit so you can save save save. Then, decide where you want lifestyle, and calculate if you can afford it. If you can, move. if you can't, keep earning until you can.
Friends should be item number 20 on your list. I've moved tons of times. You can always make new friends, and if the old ones are important, you'll keep them too. Plus, there is some truth to the fact that once you have kids, you end up seeing couple friends with kids a lot more than your own buddies, especially if those buddies dont have kids or girlfriends (note, i dont have kids, but it happens with my and her friends who do).
Stop worrying about stupid stuff and worry about paying for your future!
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