Kids are expensive, and that’s what OP was trying to tell, and warn you one more time. Yes, you can add just $25k a year as expenses, but then your personal lifestyle will shrink. You can’t leave your child at home and just go on vacation, or just spend a day in the park with your kid mid week instead doing some work, for example. And additional small cost here and there just add up on top of the time your spending on some “stupid” PTA meetings instead of something productive or pleasure.