<prompt> Human: Hi All,The missus has been feeling more and more motivated to have a child and Ive become more and more concerned about the price tag sentimental, I know Combined we earn 110kyear, but we also have 200,000 in debt and we do not own a home. that debt is car, credit card, student loan. For various reasons we do not have the luxury of waiting a few years until we can pay that debt down.So my question is how much cash does one need during pregnancy? How much during the first year? And the second? Please note that I said need, not want. That is, Im sure people in this sub have excellent and valid advice as to how much one should have available in this situation. But Im afraid I cant worry about the ideal. Rather, I just need to know the minimum amount one reasonably needs over the first year? first 2 years? Ive found plenty of websites that give this information, but I was hoping to hear from parents in this sub as you folks would keep track of such things and have more real world answers.for example Thanks!Sincerely,Terrified of keeping a tiny human aliveUpdate: Thanks for the info. Im pleasantly surprised to learn that the keeping it alive part is not as onerous as its sometimes made out to be. Not thrilled to hear about the expense of child care though I was kind of expecting that. Any other thoughts will be appreciated.  <response>: I have two kids and the most expensive part of it is day care when they are about 0-6 years old. At that point theyre usually in school full time which frees up your schedule to work more.The actual costs of the kid eating, having a place to sleep, clothes, kid equipment high chair, strollers, etc isnt really that much and you can usually get a lot of the equipment 2nd hand. People talk about diapers and yeah they cost money but its like a mobile phone bill, not that much.Then the next big cost is college if you are paying for that, but thats obviously down the road a spell. 