<prompt> Human: Hi guys, I am going to be a father and I am super excited. My wife and I are currently making around 75k together and we really dont go crazy with our spending. I have maximized my 401k contribution 6at work and my wife and I have been putting money aside every paycheck to make sure we have a nice cushion. Her work currently doesnt offer maternity leave or retirement non-profit. What would you guys recommend we do to make sure that we maximize our potential savings and any insurance that we should set up since we are having a baby. Thanks in advance. Edit: Thank you guys so much. A ton of help here. I really appreciate it. I want to make sure my wife and little one are protected just in case something were to happen to me. Finding out that my wife is pregnant has been a catalyst for me to start fine tuning my finances. This sub has given me a ton of tips and the response from you all has been phenomenal. Cheers to you all!!! Victory cigars for all!!!  <response>: Congrats! Even if her work doesnt offer paid maternity leave, are they big enough to offer unpaid FMLA? It is federal law that at least 12 weeks unpaid with return to work have to be allowed for maternity leave, if there are 50 employees or more. 