<prompt> Human: Having our first baby at the end of Feb. What is the most important thing to consider?I have a pretax Health Savings Account at work I can use, but currently dont planning on putting money in its a use it or lose it deal.How expensive are these little buggers?!  <response>: Prepare to be broke, tired, irritated and 100 in love.Kids are great, but expensive.Start a budget now, plan for the future. Live below your means for when something comes up. If you have an emergency fund, add more to it.Buy clothes at garage sales or thrift stores. Babies dont know the difference. They grow out of them so quick its just stupid to pay full price for stuff.Stock up on diapers. You are going to need them. It is amazing how much shit a 7 pound creature can create. 