How are you budgeting for kids. Mine are 5 years apart so can't reuse stuff so second one is getting equally expensive. Are there good online sources to estimate costs until they are out of college.

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The budget is simple.

All of it, every single penny you make until they finish college

And it’s worth it.

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Before kids, I maintained a checking of over 100k. And that was normal..

2kids, a wife and two homes later.., totally embarrassed to share lol

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Why can’t you re-use stuff? No online calculator will have enough flex to account for lifestyle choices. Main lever is to increase income.

I have 3. Basics will get more expensive every year. So will activities. Childcare drops after all are in school (unless you do private).

Good luck

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Estimate high then double it.

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