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[quote=Anonymous]3 kids
Kid 1 (14 yo)
529- $1400/month
Activities - $200/month
Braces- $200/month
Therapy - $300/month
Sleepaway camp- $300 a month if breaking it down (including plane travel to get there)
Allowance - $40/month 
= 2800/month

Kid 2 (11 yo)
529- $1200/month 
Activities- $300/month
Sleepaway camp - $300/month 
Summer camps and transportation thereto- maybe an extra $150/month 
Allowance- 40/month
= 2000/month

Kid 3 (6 yo)
Able account - $400/month
Activities - $150/month (about to start tutoring and piano lessons so this is going to ramp way up)
Summer camps/school day out camps/babysitting- about $200/month if broken down monthly  
His speech and OT are 100% covered (not even a copay)
= 750/month

= 5550/month for kids absent extra food, clothes, occasional day outs like ice skating or movies, etc.

We travel a lot and having the 3rd kid makes things cost more because you can usually only put 4 in a room. We do live in a lower cola where travel is difficult from, but we put the other savings we get toward travel expenses. We also have a minivan and larger house in a good school district which we otherwise would not have if we never had kids. But maybe we would just end up living in a more exciting (and expensive) area or have a nice car or eat out more (we usually eat at home) instead and it would be a wash.

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