<prompt> Human: Recently found out Im pregnant! About 6 weeks. This is planned and were really happy, but worried about finances.Weve prioritized saving for a baby a few months ago. Right now we have 2300 saved in a dedicated baby savings account. We have auto savings set up and are socking away 200week. So, we should have around 8k saved up by the time of baby, minus expenses in the meantime. Im getting a raise effective in April household income around 190k - but in ultra HCOL area NYC.In terms of benefits were really lucky. My max out of pocket is 2500 in network - 5k out. I get 20 weeks maternity leave at full and my husband will then get 10 weeks at 55 after I go back. His paternity leave is brought to you by NYCs awesome new family leave laws! This will help with daycare costs for the first 7 months.We should be getting lots of hand-me-downs from friends and siblings, but there will likely be some bigger ticket items bassinet, crib, stroller. Daycare is going to be an incredible sticker shock, I know.I feel like were in great shape but Im noticing a lot of sneaky pregnancy costs creeping up already. Like, prenatal vitamins and eating better food salmon FTW, needing new bras already not buying those used, buying new stuff like ginger tea to help with nausea. How can we keep costs down and beat prepare for this? Im anxious that our personal finance goals are just going to go out the window!  <response>: rParenting and other subs have some guides for this. Reality is, especially in a HCOL area, having a child is expensive. Its a bit dated, but adjusted for projected inflation, the USDA estimates for a middle-income family it will cost 16,916 a year in added costs until your child is 18. Look into some of the wikis regarding saving for retirement and emergencies and adjust accordingly with your budget. Congratulations on the baby! 