I'm having my first baby on Monday.
I'm 33, married for 6 years. Own a home that's paid for, have a career, a decent chunk in retirement and have already opened and maxxed out a 529 plan and I still don't feel prepared.
You just don't have any way of knowing how much kids are going to cost or how it will impact your life. We're just going to do the best week can and hope the kid doesn't totally derail us financially, emotionally or otherwise.
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