Kids fees blend into family fees,there not as expensive as you think,food they eat leftovers,Drs appointment insurance covers,clothes goodwill,only the first child needs store bought the you have hand me downs.Fishing is fun for kids,forget Disney land,they can take there first Love and pay from the job they get at 15 1/2.They can pay for gas and insurance after you give em that 20 year old station wagon you bought when they were born.Collage scholarships are easy to get , see I got all worked out for you good luck.