(((((((((((tim))))))))))))) thank you so much for this info! my hubby and i want to become parents. we live in pennsylvania. we've been too afraid because we have no clue if we could afford having a kid. i don't know how people plan beforehand. that's 18 years of planning and it's so difficult to do because you can't foresee things. where did you get this info from? we need the financial confidence! thanks!