<prompt> Human: My GF and I are expecting our first child in late February and are trying to plan how to deal with this financially. Her: Has a good job in bay area earning 70KYear with full benefits. She has about 30K left in student loans, which are part of her monthly bills. She just bought a 2 bedroom Condo in March for about 310K and her mortgage a month is 1781 with HOA 255 2036. Her brother is currently her roomate in the other room and pays 830 for the room which brings her mortgageHOA cost to 1206. Other bills she has a month include 250 for her car payments, 125 for insurance and about 100 for utilities. Me: I am currently employed making about 48K a year. I have no debt other than 1500 CC that I am slowly paying off. I live at home with my parents so no rent. Starting at the end of august I will no longer be employed and will begin full time internship program for 1 year earning 1250month stipend. I will no longer have health insurance or benefits. The only expense that I really have is a 285 lease payment for my electric vehicle. I only pay liability insurance which is about 45month. After this program I can apply for my license at get a salary starting around 85Kyear. The site where I would need to intern at is about 1 hour away from my parents house and my GF house. I was thinking about moving up closer to focus on that but it does not seem like a smart move. Plan so far: My plan so far is to open a joint account for us both and start putting aside some money for baby expenses. I plan on moving in with her soon. With the low income that I will have for the next year I think that I will not have much to contribute to help for the mortgage. Any advice on what we should do financially to put ourselves in the best position for us and our child?  <response>: Dont quit your day job, kid. 