<prompt> Human: TL;DR: Unexpected third child on the way, stressed about money. Would appreciate some advice from others who have had similar experiences.So this is totally a first world problem, but its stressing me out anyway. Last week we learned my wife is pregnant with our third child, which was a major surprise to both of us. AbortionAdoption is not an optionWe arent living paycheck-to-paycheck currently with our two kids, but we arent rolling in money either. We still have a small amount of student loan debt and car loan left to pay off 7k total, and a young mortgage 240k left on a 300k house. In addition to things like additional daycare costs 500mo, fooddiapersclothing 150mo, and education ?, a third child will drive other ancillary expenses like a new vehicle wifes mid-size SUV cant accept 3 carbooster seats. Fortunately our home has a bedroom we were using as a guest room, so we will not need a new house for the bigger family.Im worried about how the expense of a third child will significantly affect our long-term goals of paying mortgage early, funding kids college, and retiring early aiming loosely for 60.For any PF readers who see this and have had a similar large, unexpected expense child, medical, lawsuit, other? how has it affected your life? Both on a short-term dailymonthly basis, and long-term? How did you deal with it?Here is a screenshot of our monthly budget.Notes about the budget and our situation: Our takehome pay combines to 7400mo, AFTER about 18 401k savings rate. We currently do not contribute to 529 college funds, though we intended to. We want to pay off 7k in debt first. Current retirement balance is 180k 3-month emergency fund, and we both have very stable jobs so we are satisfied with that amount Mortgage debt is 240k on a 300k house, 30 year loan, 4 interest. Currently about 3 years ahead on payoff schedule from previous extra payments not currently contributing extra. Wife and I are both 35 yoJust looking at the budget numbers, obvious places to cut are cableinternet, cell phone, and vacation. Up to now, we have been OK with spending a bit more on cable we both like live sports which is difficult to get without cable and traveling. We have already cut out most of our pre-child hobbies to divert funds to children and long-term goals I gave up auto racing and cycling, wife gave up boutique clothing and decorating so Im worried about what other costs are left to cut.Thank you for any advice you can give. Feel free to criticize me for whining about money on a six-figure household AGI, lol.  <response>: Most obvious sacrifice there is the 5k annual on vacations. Jesus. Wait until the kids are old enough to rememberappreciate something and you wont have to devote all your energy to wrangling them. You can take a vacation if you really want to but 5k in your situation is ridiculous.You can reduce groceries and cell phone bills. 