I just had my second son a little less then a year ago. Thankfully we didn't have any complications this time around and just the birth alone (hospital stay/doctor bill) cost about $12K.
Remember if you have kids, you will have prenatal visits, prenatal vitamins, blood work, glucose testing, and usually 2 ultrasounds (for a completely uncomplicated pregnancy). I checked and mine ran about $2500. Any complications, and these costs will skyrocket.
Then you must think about all the pediatrician visits you will have right after birth, immunizations, etc. Plus if your wife has post pardum, you will have additional doctor visits and potentially meds to pay for. There are so many unknowns when it comes to having children even if both parents are young and healthy.
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