<prompt> Human: Were going to try to knock me up early next year and considering the financial aspects. Did you have a goal amount saved for a baby? How did your budget change?Here are some categories weve thought up:- Prepost-partum care and delivery: 2600 max OOP for me. Currently our insurance is me plus my husband. Our max family OOP is 5200. Will that include the baby?- Daycare: I get 20 weeks maternity and will likely go back to work after that. NYC infant care averages 1800month. We plan to have several kiddos so that daycare number ends up pretty mind boggling.- Baby start-up suppliesclothes etc: ?? How much is reasonable? We expect lots of hand-me-downs. Is 3k enough for crib, stroller etc?- Monthly expenses for diapers, formula, food etc: Is 300 reasonable estimate?Based on the above you can probably tell I have great benefits, and our max OOP includes fertility treatments if that is an issue.Curious about how these line items look in others budgets. The big one obviously is daycare, but financially we think it makes sense for us both to keep working, for now. I make 125k currently and husband makes 40k, so we both bring in more than the daycare costs a month. We have at least a year before Id reasonably be due. I am thinking 10K might be a reasonable goal but its a pretty random guess. We have 10k emergency savings right now which covers around 6 months of necessary expenses. We have other savings as well retirement, home repairs, vacation etc, but want to set aside money particularly for starting a family. Assistant: Dont forget a college fund.Human: Do people start saving for college from birth? We do intend to pay for college as much as we can, as its something our parents did for us that has greatly changed our paths. But Im thinking of more immediate 1-2 years from birth...  <response>: Only if they dont want to be dependent on financial aid.In my state I know people who set up GET accounts and university was covered.If you set up an acct when they are born, it is easy to suggest that instead of expensive toys or clothes, that donations to their college funds would be welcomed. 