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What other large expense do you have that you are struggling on $400k with one child in daycare?
How old is your first kiddo? Will there truly be much overlap for daycare? If you plan to utilize public school, thats the light at the end of the financial tunnel. I have two kids that are only 19m apart, which unfortunately means a lot of overlap for daycare. Perhaps should have waited longer to have a second, but here we are, and it is tough.
What we need to do is stop subsidizing all of the invaders and things will be much more affordable.
So edgy, so cool, so controversial