Reply to If you had a "bonus baby..."

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm the oldest child of parents who had a bonus baby almost 20 years younger than me. I won't bore you with our story since it's not encouraging, but please make sure you double-down with preparing financially for your and your children's futures. My parents went from having more than enough to being unable to retire in thei 70s because of bonus baby's rehab and failure to launch. It sounds like you're relatively young for this so I'm sure you'll be fine. [/quote]

That can happen with any child, not just bonus.  For instance, if your child (God forbid) got cancer for instance and lost their job, would you not help?  [/quote]

PP here. That's absolutely true, but my parents being older and pulled in more directions has absolutely made it more challenging. My parents have a strong work ethic and never complained about it, but they also fell it's the trap of thinking they were invincible and could work forever. Things became very tough when my father had a health issue that kept him from working for just shy of a year when the youngest sibling was still a complete dependent and not old enough that anyone could blame him for it or expect otherwise. It has had a huge negative impact on my parents' relationship with the middle sibling, who was just on the cusp of independence and was basically shoved out the door because they couldn't handle their other obligations. These things are not entirely unique to bonus baby situations, but there is an increased risk when you have another person and all the uncontrollable variables that come with that. When people plan to have the same end-result number of children, they have the opportunity to live in a way that leaves them better prepared to handle that. A lot of this is personality, though, so I don't share my story to scare OP. I only bring it up because the sooner you can prepare, the better, in my experience. I attribute a lot of the challenges my family faced to the vague idea that God would provide, so they didn't have to worry about anything. Even if you are religious, please use your God-given abilities. I wish OP the best of luck and firmly believe that if you want to make it work, you can and will.[/quote]

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