Speaking from experience, I dunno I'm being idealistic or what, but once you have a kid, you'll just manage, financially, time-wise etc. I mean, of course hubby and I saved money here there, set up education plan (one my long term goal is so that my children don't have to borrow money for studies) etc, but the rest, you'll just manage. You will, trust me, even when money is scarce. Some days, things will be skint, but other days it's okay. Just try to have at least a medical plan (if you don't have one with your company or husband's company) and start at least with SSPN for their education plan.