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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You are correct, OP, and I also WAH FT and DH works from home at least twice a week so we stretched for a nanny, too ( though never stopped retirement contributions!). And the kids started PT preschool at a co-op in a church basement at 3 and we kept the nanny. BUT, we stopped at 3 kids because we could not afford to do all this with 3 kids. I don’t understand how you seem to think kid #3 will not cost you anything. [/quote]

[b]I don't think they will cost nothing but adding #3 is not like starting from scratch. Especially with our nanny.[/b] We have all the stuff, I have clothing for boys and girls. There are long term costs like college but we are saving for that and they have very generous grandparents who have already significantly funded their 529s without taking into account our contributions. Diapers will be a net of zero as DD just stopped using them a few months ago. DS will be on his way out when baby comes. Biggest cost will be formula with is not insignificant but DD will be in K by then. [/quote]

JFC - it is two more whole years of the nanny.  Conservatively, it's an extra $50,000, and that's if you pay your nanny a ridiculously low amount.  [/quote]

The local community daycare program starts at age 3. When #3 turns 3 (theoretically) we would put them into the community preschool full day program for age 3 and 4 and some aftercare because agreed it would not make sense to pay for a nanny for a single child and most of the benefits of being at home with us all the time start to fade a bit. [/quote]

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