Kids are cute, chaotic, and expensive. We’re talking $21,681 per year (and that’s before they discover name-brand sneakers). Multiply that by 18 years and you’re looking at over $237K. That’s not even counting college tuition or therapy for surviving the teen years.
Because when rent and daycare each punch in at over $1,000/month, it’s no wonder your wallet’s giving you side-eye.
Your Budget Should Grow Up, Too
From diapers to driver’s ed, expenses don’t stay cute for long. What starts as formula and wipes quickly turns into lunch money, sports fees, and birthday party invites you didn’t budget for.
That’s why your family budget isn’t “set it and forget it.” It’s “update it or regret it.” Monthly check-ins help you stay ahead of the curve and the chaos.
Start Early, Stress Less
Future-you will thank you for starting now. A few power moves:
- Open a 529 College Savings Plan
- Consider a Coverdell ESA
- Look into rolling unused 529 funds into a Roth IRA for your kid
Even small deposits grow over time. Think of it like planting a money tree without the watering.
Skip the Flashy Stuff. Focus on What Matters.
Your kid doesn’t need a $900 stroller to grow up happy. What they do need? You – present, calm, and not constantly stressing about money.
Focus on the needs, not the “Instagram must-haves.” It’s not only smart… it’s freeing.
You’ve Got This. And We’ve Got You.
Raising a child is one of life’s most beautiful, messy, expensive adventures. But with the right plan in place, you can trade financial stress for peace of mind, and enjoy more of the good stuff.
At Secured Advantage, we get that no two families are the same. That’s why we offer real-world financial tools, local support, and no-judgment advice that grows with your family.
Let’s build a plan that works for you – sippy cups to senior year.
