<prompt> Human: My wife and I are on track to being debt free by the time we are 30 Hurray!. Next goal- children! What should I expect when it comes to the medical expenses involved in child birth? How should I prepare? What type of insurance coverage should I make sure we have? I have no clue when it comes to any of this, so all advice is appreciated.Assistant: Generally you will hit your out of pocket maximum with child birth. You should consider this when comparing the premiums between plans, but also when the birth will likely happen out of pocket max resets each calendar year. Childcare, if you need it, is a lot more expensive. Human: Thankfully, one of us will be able to work from home, so childcare isnt an issue at least not in the foreseeable future. Thank you for the reply!  <response>: I work from home and thought the same thing. Baby started daycare at four months old. Its a great concept, but it doesnt work. Think screaming baby while youre on a conference call, or needing to take baby to the doctor while youre running a test analysis I do IT work. 