<prompt> Human: I would like advice on where to start if I want to plan for a child being born, while also making sure I wont run into roadblocks when I try and buy a house in the future. I am not in a lot of debt, but I am also not sure how to actually look into all my accounts and make sure I have nothing else hidden. I do not have great credit but that is mostly from not really establishing much ever. I always have purchased vehicles in cash, and I set my bills up to all just come out of my checks. No credit cards yet, although I remember reading on here once that a good start is to try a prepaid credit card. Is that a good option for me? Where would I be able to look my stuff up? I have come up with a savings plan to start savings and I am cutting out a few needless things I spend money on each month, but I am afraid that since I havent established a bunch of credit, I wont be able to qualify for loans.  <response>: Kids cost money. Have a good emergency fund setup. Kids dont have to be expensive. Buy used baby stuff on the cheap. 