<prompt> Human: Were not pregnant but maybe want to be in about two years. What do I need to make sure I have financially to be ready?  <response>: Ideally, -An emergency fund of at least several thousand dollars -Bring down your debt as much as possible without breaking the bank -A job that provides family leave with pay or start looking into a private disability insurance Full disclosure though, my husband and I did not plan for our first child, we lived paycheck to paycheck for a while, but because we lived within our means, we never had to stress about money. We saved as much as possible, and by the time we had our second child, we had an emergency fund, the start of our nest egg we rent at the moment, and hand-me-down baby clothes and toys, so the biggest expense for him was diapers. 