money is not the first thing that comes to the mind when preparing for a baby

little babies don’t need a ton of things – you need to worry about milk , diapers , formula , wipes , bottles , toys and clothes

make a list of everything – add up the price and then multiply it 1.5 times

as the babies grow older , things will get expensive – due to inflation

you can start investing in a systematic investment plan (SIP) every month to an index fund to pay for college

you can pay off your debt first and then pay for your retirement ( again a SIP )

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