Now 30, Carrie Underwood has a thriving career, a bursting bank account and an incredibly supportive hockey playing husband -- and she's content to bask in the joy of her almost three-year marriage... without kids.

For now, anyway.

"I don't feel old enough to have kids," the singer -- who was recently named the new 'Sunday Night Football' opener -- says in her new Marie Claire cover story. "I know I am mature. But being responsible for another human?"

Perhaps Underwood is mentally comparing her modest, small-town upbringing to the drastically different home life that she, as a Grammy-winning superstar, will probably offer.

"My mom would sew my outfits for talent shows," she recalls. "She would get material from Walmart. It was a little 'Coal Miner's Daughter' up in there."

Shockingly, her budget-conscious, non-extravagant parents still live in the modest home where her childhood memories lie -- they won't let the 'Two Black Cadillacs' singer buy them a new one -- and her sisters are both elementary school teachers.

In contrast, Underwood recently walked the red carpet at the 2013 Grammys with a dramatic $31 million diamond necklace, and her 'modest' first home is worth almost $400,000, with the land for her new home costing a pretty $3.2 million.

"My parents are really great people who want nothing to do with any of this," Underwood clarifies. "I'm the black sheep of the family."

She adds, "The black-crystal sheep. Swarovski."