I may have mentioned before that Mr. Right-Click and I are thinking about having another baby. Now, we haven’t made concrete plans about this, and I’m not pregnant or anything, so don’t get all excited. And it’s certainly possible that we won’t be able to get pregnant, now that I’m at the age of doom (35), when all of the doctors start thinking of you as “old” and talking about various horrific risks of pregnancy and all that crap. But let’s leave that discussion for another day, because what I want to talk about is the financial implication of taking on another “liability” in the current market environment. In a word: it’s a little scary.
Then again, having a kid is always a little scary. It’s taken us almost two years to reach a kind of normalcy here at the Right-Click abode after Mini’s arrival. And each new stage that Mini goes through involves adjustment–sleeping schedules, eating preferences, separation anxieties, etc. Throw another kid into that mix, and wow! Who knows what you’re going to get?
Kids don’t cost that much right off the bat, in my experience. I mean, yes, there’s the hospital stuff and the prenatal care, but that stuff is pretty easy to budget for. The real cost is comes in the addition to things for the rest of your life–going from buying one or two plane tickets to four, buying two superpacks of diapers instead of one (or none, if Mini is potty trained in the next year or so), insurance premiums for four of us instead of three, two car seats, bigger cars, bigger tables, bigger houses! And what if we have twins?!
The economy is so craptastic right now. It seems like a bad time to bring another kid into the world. What if we cannot offer this kid all the stuff that Mini has already had? What if we have to cut down on what we give to Mini because of the economy and because of another kid?
I do think it would be a mistake, though, to try to time your child rearing around the economy. I only have a few years left of fertility (at best), so I’m not sure we can even afford to wait around to see if things get better. You cannot put a price tag on your progeny, in other words. And also, don’t we find ways to adjust, even in the worst of times, to bringing somebody new into our lives?
Kids are snuggly. They are lots of fun. Even when they get old enough to start mocking you, like Mini has started to do of late. And most of the fun you have with them is free, like tickling and giggling and kisses. So there’s that.