If you have to ask for advice on what to choose, definitely don’t have a kid. The child has no say in being born, your roof is their floor. You should have your mind set on giving that kid the best life you can and the life they deserve. I personally have a mother that likes to remind me that she gave up her life, goals, dreams, and her body for her kids (me and my siblings). That feeling that I somehow ruined her life with her choice to have me is draining. No kid should have to feel like its their fault that you decided to have them. So if you are unsure if you want to have a kid or buy a horse, you should buy a horse. Because deep down you could start resenting your child because you decided to have them instead of getting your horse. I understand that you are going about this logically, but I still believe if you are questioning the two, the horse is the safer option, as you can sell a horse when you no longer wish to deal with it. A child, you don’t really have that option or freedom.