<prompt> Human: Before anyone makes any comments, we have been using birth control for a while, and it suddenly decided to give me the middle finger. I never really believed people when they said that, but now I do.My partner and I both make 38k a year. His take home pay is 2400 a month, mine is 2290 bc of health insurance.Here are our current monthly expenses:House - 590Electricity - 100Internet - 82Water - 60Cell phones - 60Car payment on 1 car - 220Car insurance for 2 cars - 230My car gas - 135His car gas - 75Kids health insurance - 185Groceries - 500Kids daycare - 1025Misc Netflix, eating out, diapers, copayments, everything else basically - 100 3326Leftover - 1364My kid 1.5 yrs old is going to a fancy preschool, so I can enroll her somewhere else for cheaper, but infant childcare is so expensive, Im probably looking at 2000 a month for both of them, and adding the baby onto my health insurance will be 220. 144 left.If I need to pay for new tires, HOA fees, a vet bill, car registrations, house repairs, high summer cooling bills...any of those random expenses that pop up in life, im screwed.We currently have 5600 in savings, 5000 of that will be going to the babys birth. A few hundred will go to baby prep. Im only 5 weeks pregnant so I have 7-8 months to get my shit in order. What do I need to do in order to not be scraping by for the next 4 years?  <response>: Im just going to point out that if you sock away 1364month for the next 8 months, youll have 10,912 which makes things sound far less desperate.Would it make any sense for your husband to be a SAHF? If health insurance is an issue, he can, for instance, take a part-time job at Starbucks and work on the weekends or evenings 20 hour minimum. After a few months, he can enroll in the health insurance plan. Between pay and tips, he could be bringing in 953month before taxes which is a drop of 2214. However, yall could probably eliminate a car 300month and save on daycare 1600month which leaves a difference of about 300 which is about 26 hoursweek rather than 20.Thats just an example, but its worth considering taking a different job so you work at different hours at least a couple days a week to reduce daycare costs. Him or you, it doesnt matter. Run the numbers and see if it makes sense. 