<prompt> Human: Not that I want to buy a child, but...I often read that having a child costs a lot of money. However I dont seem to grasp the extend of it. Could you help me realize what are the costs inherent to having a child? What are the different areas of expense? I guess there is food, college money, but I guess I am missing some of the costs. Also maybe estimates of figures for those costs?This would help me plan my personal finances.I feel that such topic should be part of the wiki, but I didnt read anything like that  <response>: You forgot the biggies1 Caregiving costs time and money. Its years until you can leave them unattended in the home for even an hour.2 Health problems andor disabilities can be very expensive. 