From Baby to Big Picture: How to Financially Plan Once Kids Are on the Way
Part two of our kids-and-money series picks up once baby's actually on the way — or once you're already in it and wondering if you're getting it right.
Maddie and Meghan walk through the immediate financial moves to make (protect first, optimize later), the emotional tug-of-war between funding your own future and your kids', and a simple, non-overwhelming intro to 529s and investing for kids.
They cover:
The immediate to-do list once you're expecting: insurance, HSA/FSA, parental leave planning, and estate basics
Why retirement should come before college savings — and language to use with family who disagree
529 plans explained simply, plus alternatives like brokerage and custodial accounts
How to think in phases as your kids grow, instead of building one static plan
The real thing kids need from your finances — and it's not perfection
Whether you're expecting your first, deep in the toddler years, or just planning ahead, this episode gives you a framework you can actually revisit and adjust as life changes.
Resources:
Budget Blueprint Builder — Our one-hour workshop with an Excel and Google Sheets template built for exactly this kind of mid-year reset. $47. Linked Here!
🎯 5-Day Expense Reset — Free. For when today's episode made you want to finally just look at the full picture.
Previous Episode: You Got a Raise… Now What?
