To all the first time parents, how did you all plan for the baby's arrival - financially?
Has the monthly/yearly savings reduced drastically?
Would the savings reduce to just 401k and espp? And maybe little rsu in the beginning?
Or does the savings rate take a major hit once the kid is ready for daycare/playschool/school?
TC: 220k
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3k/month toddler kindergarten after 1 yoe.
1k/month food, stuff furniture misc.
Altogether costs about 150k/year of pretax tc.
So you better do more LC and land that fat meta offer
There is a dedicated category of caregivers in the Chinese circle that specializes in helping with that recovery & caring for baby too.
Due to its higher skill requirements and intense nature of work, the rate is much higher than normal nannies.
https://nanny.fyi/
Be excited about the new baby and don't worry about the savings. You are spending on what's most important in your life.