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Money doesnโt have to be complicated, or stressful. In MyMoney Hub, our hosts take a MyBudget blog each episode and pull it apart: dissecting the key insights, sharing their highlights, and explaining how those lessons apply to real life. From budgeting for a baby to side hustles, Christmas spending to Buy Now Pay Later services, they make money talk practical, relatable, and easy to follow.
Every blog comes with free resources, like personal budget templates, savings calculators, step-by-step guides, and handy checklists, so you can put the advice into action straight away.
With over 25 yearsโ experience helping 130,000+ Australians, MyBudget knows what works. Tune in, take away the best tips, and see how MyBudget can help you pay off debt, grow savings, and live life free from money worries.
Speaker 1 00:00
If you ask an expecting parent what their most expensive baby purchase is going to be, I reckon almost all of them will name something really visible.
Speaker 2 00:08
Right. Yeah, like the pram.
Speaker 1 00:10
Exactly. They'll tell you all about this, you know, $1,500 Scandinavian pram they've been eyeing off, or a beautifully styled cot, or maybe one of those high tech car seats that looks like a spaceship.
Speaker 1 00:20
Oh, I've seen those. They are wild.
Speaker 1 00:22
Right. We just focus heaps of our mental energy on those tangible physical purchases.
Speaker 2 00:26
Yeah.
Speaker 1 00:27
But there is a massive contrast here, because the actual much larger financial reality of having a baby is-it's almost entirely hidden. It
Speaker 1 00:38
really is. The
Speaker 1 00:39
most expensive thing you buy when you have a child isn't something you can just slap on a baby registry. It's the time you take off work.
Speaker 1 00:46
Spot on.
Speaker 1 00:47
It's the reality of your household income pausing or drastically reducing, while every single one of your ordinary everyday bills just keeps arriving in the mail.
Speaker 1 00:56
It is the ultimate hidden cost, and you know it is such a common trap to fall into because baby shopping is immediate.
Speaker 1 01:02
Yeah, and it's fun.
Speaker 1 01:03
It's so much fun. It's tactile. You can test drive the pram in the shop. You can paint the nursery. Fold those incredibly tiny clothes.
Speaker 1 01:11
Oh, the tiny socks get me every time.
Speaker 1 01:13
Right, but the real financial shift, the one that will actually dictate your family's daily stress levels, lies in managing your ongoing household budget on less income. That invisible shift is where the heavy lifting of your preparation actually needs to happen.
Speaker 1 01:31
I really like to think of this as a kind of financial nesting.
Speaker 1 01:35
Oh, I love that phrase.
Speaker 1 01:36
Yeah, because we're all familiar with that biological nesting instinct, where you suddenly feel this urgent need to scrub the baseboards at midnight,
Speaker 1 01:44
wash everything in sight.
Speaker 1 01:45
Exactly, but sitting down at the kitchen table and building a realistic, honest picture of your reduced income is honestly the most powerful form of nesting you can do.
Speaker 1 01:54
Absolutely,
Speaker 1 01:55
definitely less Instagram worthy than setting up a style nursery, but you know, building a spreadsheet is going to bring you so much more peace of mind at two in the morning than a matching change table ever could.
Speaker 1 02:05
Yeah, no one is looking at their change table at two a.m. for comfort.
Speaker 1 02:09
No. So before getting swept up in affording the dream setup, we really have to look at the money that is actually coming in.
Speaker 1 02:16
And to do that effectively, you really need to map out your household income across three very distinct phases.
Speaker 1 02:22
Okay, what are they?
Speaker 1 02:23
Well, you can't just look at one number. You have to estimate what your finances will look like before you go on parental leave, what they'll look like during your leave, and finally, what the picture is when you return to work. I
Speaker 1 02:37
want to break down the mechanics of that because I think people hear the word budget and they just think of listing their expenses,
Speaker 1 02:43
right?
Speaker 1 02:44
But the income side is incredibly complex when you're having a baby. When you're looking at that during leave phase, you're basically trying to piece together a jigsaw puzzle of different income streams.
Speaker 1 02:56
Oh, definitely, it's a huge puzzle. I'm
Speaker 1 02:57
looking at your ordinary take-home pay up until the birth, and then you have to figure out if you have any employer-funded paid parental leave, and on top of that, you might be factoring in the government parental leave pay, and maybe I don't know, cashing in accrued annual leave or long service leave just to keep some cash flowing.
Speaker 1 03:16
Yeah, whatever you have available,
Speaker 1 03:18
and then you have to factor in any planned unpaid leave, which obviously brings that income number straight down to zero,
Speaker 1 03:24
which is a terrifying number if you haven't planned for it.
Speaker 1 03:27
Absolutely,
Speaker 1 03:27
and this is where the friction happens because while your income is doing all these acrobatics, dropping, pausing, restarting your financial commitments, simply do not care that you just had a baby.
Speaker 1 03:39
The bank still wants the mortgage payments.
Speaker 1 03:40
Exactly, the landlord still wants the rent, the electricity, water, gas, home insurance, car insurance. It all just keeps coming. Groceries and transport costs remain completely static, or in some cases, they actually go up.
Speaker 1 03:54
Which is the whole point of mapping this out. The goal is to calculate the mathematical gap between your expected reduced leave income and those existing household costs that refuse to budge. Correct. That's why creating three versions of your budget is so illuminating. The pre-baby budget shows your current comfortable baseline.
Speaker 2 04:12
Then the
Speaker 1 04:13
during-leave budget strips away the illusions and reveals the exact cash cap you need to cover from your savings each week.
Speaker 1 04:20
Yeah, that's the scary but necessary one.
Speaker 1 04:23
And then the post-return budget helps you brace for the entirely new ongoing costs, which we know usually involves the shock of childcare.
Speaker 1 04:31
Seeing that gap in black and white is incredibly empowering, though. It removes the fear of the unknown.
Speaker 1 04:38
It really does.
Speaker 1 04:39
Now, it is important to acknowledge that simply creating this budget doesn't magically guarantee you can afford to stay home for your absolute ideal preferred length of time.
Speaker 1 04:48
Right. The math is what the math
Speaker 1 04:50
is. Exactly. But what it does do is give you agency. It shows you exactly what your options are without the guesswork, so you can make informed choices about how to use the time you do have.
Speaker 1 04:59
Right. And one. Once that baseline is established and you know what your actual household income is going to look like, then you can safely start looking at what the baby is going to cost you in that first year.
Speaker 1 05:08
Yes, the gear.
Speaker 1 05:09
The gear. We all hear wild numbers thrown around, but there was this 2024 CanStar estimate that put the first year costs of a baby at roughly between $4,310.09 $1,620,
Speaker 1 05:22
which is a massive range,
Speaker 1 05:24
huge range.
Speaker 1 05:25
But you know, it gives you a sense of the baseline. That estimate is looking at things like your hospital expenses, the physical baby essentials, nappies, food, transport. But the most crucial thing for anyone listening to understand is what that figure entirely misses. This
Speaker 1 05:39
is the part that fascinates me because almost $10,000 sounds like an absolute fortune for gear and essentials.
Speaker 3 05:44
It does,
Speaker 1 05:45
but that figure completely ignores the impact of your reduced income. It doesn't factor in the 1000s of dollars in lost wages. Nope. It also doesn't fully account for the premiums of private health insurance, and it definitely doesn't touch the towering cost of childcare.
Speaker 1 06:00
Not at all.
Speaker 1 06:01
So you might be obsessing over whether to buy a $400 cot or an $800 cot, completely missing the fact that the income you lose during that first year is going to dwarf those physical purchases by an order of magnitude.
Speaker 1 06:12
It's a classic case of focusing on the wrong numbers, which is why when you do turn your attention to buying that physical gear, you have to operate with an essentials first mindset,
Speaker 1 06:22
I will be the first to admit that is incredibly difficult
Speaker 1 06:26
to do. Oh yeah,
Speaker 1 06:26
because baby marketing is some of the most powerful psychologically targeted advertising on the planet.
Speaker 1 06:34
It really is.
Speaker 1 06:35
When you're expecting, you're vulnerable. You want to be a good parent, and suddenly your feed is flooded with beautiful muted tone products that all claim to be absolute must-haves for your baby's development or your own sanity.
Speaker 1 06:47
Yep, the esthetic is very convincing.
Speaker 1 06:49
How do you actually separate the emotional urge to buy the prettiest, most popular thing from what is genuinely safe and necessary?
Speaker 1 06:58
You just have to ruthlessly separate popular from essential.
Speaker 1 07:01
Okay.
Speaker 1 07:02
And essential's first shopping plan is actually quite short. It basically boils down to an approved child car restraint, a safe sleeping space, and a firm, well-fitting mattress. Right. You need a pram or some form of suitable transport, a small rotation of initial clothing, whatever feeding equipment suits your circumstances, nappies, and a nappy bag.
Speaker 1 07:23
Notice what is missing from that list, though.
Speaker 1 07:25
Oh, heaps of stuff. The
Speaker 1 07:26
wipe warmers, the smart socks that track heart rates, yeah, the 100-dollar organic cotton onesies that are going to get completely ruined in a two-second blowout anyway.
Speaker 1 07:35
Yeah, the baby industry thrives on convincing you that the most expensive premium option is the most essential, and that is simply false. Yeah, babies outgrow things at a terrifying speed. They don't care about brand names. So for almost every non-safety item, you should be asking yourself: Do we really need this before the birth, or can it wait until we see what this specific baby actually likes?
Speaker 1 07:58
That's a great question to ask.
Speaker 1 08:00
Right? Or can we borrow this from a friend whose baby has already outgrown it? Is there a safe secondhand option on a local community marketplace?
Speaker 1 08:07
I do want to heavily underline the word "safe" there, though.
Speaker 1 08:10
Yes, definitely.
Speaker 1 08:11
Safety is the one area where there is absolutely zero room for compromise or cutting corners to save a few dollars.
Speaker 1 08:18
That is the immovable rule. Any product you buy, but especially your car seats, capsules, and sleeping spaces, must meet current Australian safety requirements.
Speaker 1 08:28
Absolutely,
Speaker 1 08:29
you have to follow the manufacturer instructions to the letter. Second-hand car seats, for instance, are generally a huge risk because you just don't know their crash history.
Speaker 1 08:37
Yeah, not worth the risk.
Speaker 1 08:38
Not at all. But outside of those strict safety-critical items, there is a vast amount of room to be smart, practical, and restrained about your spending.
Speaker 1 08:47
Which naturally brings us to the ongoing reality of budgeting,
Speaker 4 08:50
right?
Speaker 1 08:51
Because everyone stresses over that one big, massive shopping spree at the baby superstore, but that is just a one-off event. The thing that actually tests your budget over the long term is the slow drip. The
Speaker 1 09:03
slow drip.
Speaker 1 09:04
Yeah, it's the recurring, repetitive weekly expenses that start the day the baby is born and just never stop. The
Speaker 1 09:10
slow drip is what slowly suffocates a poorly planned budget. Let's break down the realities and nappies.
Speaker 1 09:16
Let's do it.
Speaker 1 09:17
Depending on what you use, you're looking at roughly 80 to $120 a month every single month, and if you're using formula or commercial baby food, that might add another 50 to $300 a month, depending entirely on your individual circumstances.
Speaker 1 09:32
That adds up so fast,
Speaker 1 09:34
and people always forget the utilities. You are going to see a very noticeable spike in your water and electricity bills because your washing machine is suddenly running nonstop and you're heating the house more often. The
Speaker 1 09:45
small things add up so incredibly fast. I was actually talking to Casey recently, and they shared a brilliantly practical tip about nappies.
Speaker 1 09:54
Oh, what was it?
Speaker 1 09:55
So the instinct is to go to the warehouse store and buy six months' worth of nappies. On sale before the baby arrives, just so you feel prepared.
Speaker 1 10:03
Yep, very common.
Speaker 1 10:04
Casey said to hold off, wait until the baby is actually here, and you confirm which specific brand suits them.
Speaker 1 10:11
Oh, that is so smart.
Speaker 1 10:12
Right, you might stockpile boxes of a premium brand only to discover they give your baby a rash, or they just don't fit the shape of your baby's legs and leak everywhere,
Speaker 1 10:22
which is a nightmare.
Speaker 1 10:23
It's total nightmare. So once you test a few small packs and know what actually works, then you pull the trigger and buy in bulk to get those savings.
Speaker 1 10:32
That is the perfect example of practical financial nesting.
Speaker 5 10:35
Yeah.
Speaker 1 10:35
Another great strategy came from Simone, who heavily advocates for leaning into op shops or buy swap sell groups for clothing.
Speaker 1 10:43
Oh, absolutely!
Speaker 1 10:44
Like we said, lightly worn baby clothes are outgrown almost the minute you put them on. You can buy bundles of practically brand new, beautiful clothes for an absolute fraction of the retail cost.
Speaker 1 10:54
You won't feel heartbroken when they inevitably get stained.
Speaker 1 10:57
Exactly.
Speaker 1 10:58
But you know, even with the best op shop strategies and bulk buying hacks. Unexpected things are still going to pop up.
Speaker 1 11:04
Always,
Speaker 1 11:05
babies are beautifully unpredictable, which is why having a system to handle surprises without throwing your entire weekly budget off the rails is so important.
Speaker 1 11:13
This is where the concept of the baby buffer comes in.
Speaker 1 11:16
The baby buffer.
Speaker 1 11:17
Yeah, the baby buffer is a dedicated ring-fenced emergency savings category that is specifically earmarked for unexpected baby costs.
Speaker 1 11:25
It's for that exact moment when it's two in the morning, the baby absolutely disguises the beautiful 60-dollar organic swaddle you bought. They were screaming, you were exhausted, and you find yourself on your phone panic ordering three entirely different types of sleep sacks. Just praying one of them works.
Speaker 1 11:44
Yes,
Speaker 1 11:45
that is what the baby buffers for.
Speaker 1 11:46
Or you know, it could be for unexpected medical appointments, or discovering you urgently need a breast pump when you hadn't planned on buying one. Right. Having that cash set aside for genuine surprises gives you the psychological freedom to solve problems without the added stress of credit card debt, having $3,000 sitting in a baby buffer account is going to make you feel infinitely more prepared than having a perfectly decorated nursery, but $0 in the bank.
Speaker 1 12:10
A huge part of protecting that buffer and not overspending is learning how to properly utilize your community. The village is a real thing. When friends, family, and colleagues inevitably ask what you need or want to throw a shower. You have to be brave enough to build a registry around purely practical essentials.
Speaker 1 12:28
Yes, be brave.
Speaker 1 12:30
Ask for nappies in various sizes. Ask for a group contribution toward the car seat. Ask for supermarket vouchers or meal delivery cards.
Speaker 1 12:38
So practical.
Speaker 1 12:40
It is so much more useful than receiving five beautifully embroidered decorative blankets that you are literally never going to use.
Speaker 1 12:48
People want to help, so give them a way to help that actually supports your family's financial well-being.
Speaker 1 12:53
Exactly.
Speaker 1 12:53
It's funny we can spend 20 minutes debating the cost difference between brands of nappies or wipes, but all of that careful micro budgeting can be completely wiped out in a single week if you haven't properly factored in the two massive categories that will reshape your entire financial plan.
Speaker 1 13:09
Right, childcare and private health.
Speaker 1 13:11
Yes,
Speaker 1 13:11
these are the heavy hitters. You can save 50 bucks a month on formula, but childcare can cost you hundreds of dollars a week out of pocket. How do families even begin to tackle that
Speaker 1 13:21
with childcare. The absolute golden rule is to start your research incredibly early. Waitlists can be brutal.
Speaker 1 13:27
So true.
Speaker 1 13:28
But from a budgeting perspective, the most critical step is to look far beyond the advertised daily fee of a center,
Speaker 1 13:34
because the advertised daily fee of say $150 a day is almost never what you actually end up paying out of your own bank account.
Speaker 1 13:43
Precisely, you have to calculate your actual out-of-pocket gap payment after the childcare subsidy or CCS is applied. Right. The subsidy percentage tapers off depending on your combined family income and an activity test.
Speaker 1 13:55
This is where the math gets genuinely tricky when you're planning your return to work.
Speaker 1 13:59
Oh, it really does.
Speaker 1 14:00
You have to weigh that out-of-pocket childcare cost directly against your expected take-home pay for the days you are working?
Speaker 1 14:08
Yep.
Speaker 1 14:09
Like let's say you're debating whether to return to work for three days a week or four days a week. You might look at your salary and think, "Great, working that fourth day brings in an extra $250.
Speaker 1 14:17
Sounds good on paper,
Speaker 1 14:19
right? But then you have to deduct the cost of that fourth day of childcare, and because you're earning more, your subsidy percentage might drop slightly, making all four days of care slightly more expensive. By the time you pay the gap fee, the extra tax, and maybe the commuting costs, that extra $250 might actually only net you $20 of real usable money in your bank account.
Speaker 1 14:41
That is the exact scenario so many families find themselves in. They're exhausted, working an extra day, and essentially handing their entire day's wages straight to the childcare center.
Speaker 1 14:51
It's wild.
Speaker 1 14:52
Navigating that math requires taking it one step at a time, modeling out those different scenarios on paper, and finding the sweet spot for your specific.
Speaker 1 15:00
And then there is private health insurance, which feels like it requires a university degree to decipher.
Speaker 1 15:06
Private health cover for pregnancy and birth is incredibly rigid. The single most important mechanism you need to understand is the waiting period.
Speaker 1 15:14
The waiting period, yes.
Speaker 1 15:14
Almost all funds enforce a strict 12-month waiting period for obstetric services,
Speaker 1 15:20
which means logically, if you wait until you find out you are pregnant to upgrade your cover, you are already entirely too late.
Speaker 1 15:27
Way too late.
Speaker 1 15:28
You need to be holding the appropriate level of cover for months before you even conceive.
Speaker 1 15:32
It forces you to plan far into the future, and you have to scrutinize the fine print of your policy.
Speaker 1 15:38
Yeah,
Speaker 1 15:39
many lower cost basic policies will completely restrict or exclude obstetric services altogether. You also need to understand your policy accesses the out of pocket fees you pay just to be admitted to the hospital.
Speaker 1 15:53
Those could be huge. They
Speaker 1 15:54
really can. Most importantly, you need to find out exactly when and how a newborn must be added to your policy, if your baby arrives and requires special care, you need to know they are covered immediately. And some funds require them to be added within a very specific window. It is
Speaker 1 16:10
a phenomenal amount of structural admin to juggle while you are just trying to grow a human being.
Speaker 1 16:16
It is a lot,
Speaker 1 16:17
but to help cover these massive income gaps and give families a bit more breathing room. There is substantial structural support available from the government.
Speaker 1 16:25
Yeah, the landscape for government support is continually shifting. So let's look at the specific mechanisms of the current parental leave pay for children born from the first of July, 2026.
Speaker 1 16:35
Okay.
Speaker 1 16:35
Under those rules, eligible families can receive up to 130 days of leave, which is equivalent to 26 weeks based on a standard five-day work week.
Speaker 1 16:44
Okay, let's translate those days into actual dollars for the household budget. What does the math look like? The
Speaker 1 16:49
payment is set at $200.94 per day.
Speaker 2 16:52
Okay. If
Speaker 1 16:53
you multiply that out, it works out to $1,04.70 per five-day week before tax.
Speaker 1 17:00
Got it. A
Speaker 1 17:01
crucial element here is that those 130 days can be shared between partners, giving families flexibility in how they structure their care.
Speaker 1 17:08
I think we really need to pause on the phrase before tax.
Speaker 1 17:11
Yes, very important
Speaker 1 17:13
because it sounds like a lot of numbers, but if we translate that to real-world impact, this payment roughly replaces the income of a minimum wage worker, and because it is fully taxable, if you are a family used to a higher corporate salary, receiving $1,000 a week before tax is going to result in a very steep, very noticeable drop in your actual take-home pay.
Speaker 1 17:35
Oh, definitely, it
Speaker 1 17:36
is incredibly helpful, but it's not a full salary replacement for most professionals.
Speaker 1 17:39
No, it's not.
Speaker 1 17:40
Also, I hear people talk about 26 weeks of leave, which sounds amazing, but that is exactly half a year. If you plan to use government childcare, most senders won't take a baby until they're at least six weeks, and many people prefer to wait until six months. There is a massive chronological gap there. How do families actually bridge the time between when the government money stops and when they're ready to go back to work.
Speaker 1 18:04
That chronological gap is exactly why doing the math early is non-negotiable.
Speaker 1 18:08
Right.
Speaker 1 18:09
If you map out your budget and realize you have a weekly income shortfall of say $400 during the months you want to be on leave, you can multiply that $400 by the number of weeks you want to take off.
Speaker 1 18:20
Okay, makes sense.
Speaker 1 18:21
That gives you your total savings target. Then you divide that total target by the number of weeks you currently have left before the baby arrives, and you start funneling that exact amount into your savings every single payday right now.
Speaker 1 18:33
And we have to be absolutely clear here: just because a certain number of weeks or a certain dollar amount is theoretically available under the law, it doesn't automatically mean you, as an individual listener, are eligible for the maximum amount.
Speaker 1 18:46
No, eligibility is a complex web of work tests, income limits, and residency requirements.
Speaker 1 18:52
Yeah.
Speaker 1 18:53
Furthermore, you might also be navigating the family tax benefit part A and B, or child support arrangements. If you are a co-parenting family, you simply cannot base your entire household budget on an assumption or on what your friend received two years ago.
Speaker 1 19:06
Definitely not.
Speaker 1 19:07
You must refer directly to Services Australia. You can use their payment finder tools to understand the parameters, but you have to confirm your specific entitlements with them directly.
Speaker 1 19:17
This is exactly why the idea of winging it just doesn't work.
Speaker 1 19:21
Yeah,
Speaker 1 19:21
balancing a drastically reduced income against immovable living expenses, while factoring in childcare tapers, private health excesses, and fluctuating government support is incredibly complex.
Speaker 1 19:32
It really is
Speaker 1 19:33
pulling all of these moving parts together into a cohesive, functional 12-month plan is where things get real. And honestly, it is exactly where a service like My Budget steps into the frame to carry some of that mental load.
Speaker 1 19:45
Exactly, when the variables become too much to track on a notepad, bringing in professional structures helps. My Budget operates by providing you with a money coach who works with you to build a highly personalized household budget.
Speaker 1 19:59
Right.
Speaker 1 20:00
Their role isn't to tell you how to raise your child. Their role is to map the math.
Speaker 1 20:04
I love that.
Speaker 1 20:05
They help you project your reduced leave income, track every single one of those stubbornly regular bills, establish the automated savings targets for your baby buffer, and practically model out those different return to work scenarios we talked about.
Speaker 1 20:18
That's huge. Yeah,
Speaker 1 20:19
they have been doing this for over 25 years and have helped more than 130,000 Australians manage their money.
Speaker 1 20:26
Having a professional help you build that 12-month forward-looking view naturally resolves a lot of the most stressful questions parents have. Like people always wonder when they should actually start putting a baby budget together. When you are working with a framework like my budget, you realize the answer is as early as practical.
Speaker 1 20:45
Yep, get started early.
Speaker 1 20:46
Doing it while you're still planning or early in the pregnancy is what gives you the runway to actually build that baby buffer. People also constantly worry about whether they can manage on a single income. You can sit there and stress about it at night, yeah, or you can actually test it in a written budget.
Speaker 1 21:02
It takes the emotion out of
Speaker 1 21:03
it. It really does. Yeah. It might be entirely possible, but it depends completely on your unique commitments and lifestyle. And you don't have to guess. The math will tell you the answer.
Speaker 1 21:13
Exactly. The purpose of this entire exercise, the spreadsheets, the planning, the modeling, isn't to create a rigid cage that dictates every single nappy purchase. You can't predict every unexpected doctor's visit. The goal is to give yourself a realistic, overarching picture of your financial reality, so you aren't constantly caught off guard by the slow drip of expenses or the sudden shock of a childcare bill.
Speaker 1 21:38
Before we wrap up today's conversation, we do need to give you a quick reminder that the discussion we've had today contains general information. Costs, entitlements, and individual family circumstances vary greatly from household to household. Government payment rules and eligibility should always be confirmed directly with Services Australia, and any medical, insurance, or childcare decisions may require appropriate professional guidance tailored to your situation,
Speaker 1 22:03
and to help you get started on taking control of this process, you can download the free newborn and baby essentials checklist as well as a personal budget template by visiting mybudget.com.au.
Speaker 1 22:15
Such a great resource,
Speaker 1 22:16
it really is. And if you decide you want personalized support mapping out your family's 12-month plan, you can book a free appointment online or call them directly on one 300 300 922. The
Speaker 1 22:27
pram and cot may be the visible costs, but the most valuable thing a baby budget can create is choice.
Speaker 1 22:34
Choice about what you buy, how you use your leave, and what returning to work might look like for your family.
Speaker 1 22:39
Start with an honest picture of your leave income, your existing bills, and what the baby truly needs, you can adjust the plan as your family finds its rhythm.
Speaker 1 22:46
You don't need a perfect nursery or a perfect financial plan to be ready. A little clarity now can give you more room to be present when your new arrival is here. Take care, and we'll see you next time.