@build.my.mil ONLY PAGE REAL FAMILIES TALK THE TRUE COST OF KIDS

@build.my.mil ONLY PAGE REAL FAMILIES TALK THE TRUE COST OF KIDS EVERYONE SAYS HAVING KIDS IS EXPENSIVE BUT I'M A I LIKE TO TALK REAL NUMBERS. BABylist JUST Baby Balance Sheet: Raising 2 Kids on $220k Joint Income in Indianapolis By Lindsey CAME OUT WITH Updated On Mar 9, 2026 CALLED BABY BALANCE SHEET WHERE THEY INTERVIEW REAL FAMILIES ACROSS AMERICA AT DIFFERENT INCOME LEVELS AND TALK ABOUT HOW MUTCH THEY ACTUALLY SPEND WHEN IT COMES TO THEIR KIDS THE FIRST FAMILY LIVES IN INDIANAPOLIS SALARY OF $220,000 A YEAR TWO KIDS UNDER 5 AND THEY SPEND $2,628 ON DAYCARE EVERY MONTH FOR TWO KIDS PUT $200 INTO A 529 KIDS EVERY MONTH AND THEY PUT $140 INTO A CUSTODIAL INVESTMENT ACCOUNT FOR THEIR CHILDREN THAT THEY SAVED UP $8,000 BEFORE THEIR SECOND CHILD CAME JUST TO MAKE COULD COVER THE COST OF DAYCARE THIS COUPLE SHARES THEY SPEND 25% HOMEPAY ON CHILD RELATED EXPENSES INCLUDE THINGS LIKE GROCERIES AND OTHER THINGS RELATED TO HAVING KIDS IT'S ABOUT 38% OF THEIR INCOME DOESN'T TELL US THEIR TAKE HOME PAY WE CAN ESTIMATE THAT LET'S SAY STANDARD DEDUCTION NORMAL TAX BRACKETS THEY'RE PROBABLY BRINGING HOME SOMEWHERE AROUND $14,000 A MONTH IF WE USE THOSE SAME 25% AND 38% FIGURES THEY'RE SPENDING ABOUT $3,500 THEIR KID AND THAT JUMPS UP TO AROUND $5,000 IF WE INCLUDE ANYTHING ELSE LET'S SAY ELEVATED INSURANCE COST BECAUSE YOU NOW HAVE A FAMILY PLAN SINGLE PLAN INCREASED UTILITY AND WATER COST BECAUSE MORE PEOPLE IN MORE GAS BECAUSE YOU HAVE MORE AROUND AND MORE PLACES TO GO THINGS FACTOR INTO THE INFLATED COST OF HAVING KIDS WHAT YOU THINK FOR TWO KIDS DO YOU SPEND MORE OR LESS THAN THIS FAMILY