Okay, I am pretty sure I am missing something here. 66k doesn't cover everything you have listed. Your groceries are exceptionally cheap given the rest of your numbers and I don't see any additional savings or personal spend money. Maybe you guys don't spend a lot of money but I assume you will have some clothing expenses for baby, probably for the mom as well and various other household expenses that aren't accounted for.
I guess my questions is what am I missing and what are you asking?
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