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The calculations seem pretty subjective on whats actually essential if a kid actually costs you 40k a year. I don’t even spend that much on myself .


Right, but you probably don't need childcare.

Have a kid in California and you can look forward to paying $17000/year for infant care [1]. With California's median per-capita income of $41000/year [2] having two kids is an expensive business!

[1] https://tootris.com/edu/blog/parents/cost-of-child-care-in-c... [2] https://www.census.gov/quickfacts/fact/table/CA/INC110221


Seattle is 24000-30k a year for infant care.

17,000 would be very, very, cheap.


Presumably you aren't constantly growing and in constant need of new clothes, nor do you need to pay someone to look after you on a day to day basis a la childcare.


These are on vastly different scales: we probably pay 50x more for childcare than clothes.




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