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we had a baby

What’s New In My Life – We Had A Baby!

Last Updated on August 24, 2021April 3, 2020 30 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Four weeks ago, my wife and I welcomed our first child into the world – a healthy baby boy that, on this blog, we’ll call Financial Cub. I know – big news! I’ve been admittedly slow to share this information since obviously a lot has been going on, but now that it’s been a month, I think it’s time to get this news out into the world.  

Looking back at it, our little boy couldn’t have come to us at a better time. It’s hard to think about it, but when our baby was born just a few weeks ago, the world looked very different. The current global pandemic was barely a blip on most of our radar screens. There were no special precautions at the hospital. We had visitors coming and going as they pleased. It’s a testament to the power of exponential growth that things can change so quickly.

In any event, mother and baby are all home safely and our little family is now hunkered down at home waiting until things can hopefully return to normal. Luckily, my wife’s family was able to meet and hold our little one before the epidemic broke out. My family, unfortunately, didn’t get the chance (my mom was originally scheduled to fly out to us in mid-March but had to cancel her flight due to the pandemic; she’s been able to see her grandson via video chat, which is at least better than nothing).

Needless to say, the circumstances we find ourselves in aren’t ideal, but on the bright side, this period of self-quarantine and social distancing is giving us plenty of time to learn more about this new family of ours. 

A onesie that a friend of mine sent me to commemorate the new addition.

A Moment Of Crisis – But We Were Lucky Too

It started to hit home for us that this pandemic was going to be a big deal about a week after we got home. Our governor issued a stay-at-home order about 10 days into the pandemic and as a result, our new baby has really only spent time with his parents during the entire course of his life. I worry that he’ll be scared of strangers in the future since there’s no telling when he’ll be able to start interacting with other people.

Our household income has also taken a big hit as a direct result of the pandemic. My wife had to close her practice in mid-March and it’ll likely stay closed for quite some time. That means she’s bringing in no income until she can reopen. If there’s any silver lining here, it’s that she was already going to be on maternity leave for the next few months, so if she’s closing her practice, now is probably a better time than any other to be closed.

On my end, blog income is down since advertisers are cutting back on their marketing budgets. That means my ad revenue and affiliate revenue are down (most bloggers are feeling this pinch right now).

My side hustle income is also down. I stopped doing Airbnb because of the baby, although I wouldn’t be doing it right now anyway due to the Coronavirus. My dogsitting income from Rover is now non-existent since people aren’t traveling right now and don’t need dogsitters. I can still make money doing food deliveries and grocery deliveries, but I have been shying away from these side hustles just because there’s some risk involved, although I still do them occasionally (for folks out there that are ordering food, seriously tip your delivery people because they are doing a lot of work for you).

With all that said, I think we’re still pretty lucky all things considered. Our baby was born in the first week of March, which meant that the birthing experience was ultimately fairly normal (or as normal as having a baby can be). If he’d been born just a week or two later, things would have likely looked very different. We’re extremely thankful that we didn’t have to worry about a raging pandemic while my wife was giving birth.

The decreased income also hasn’t been a problem for us due to some accidental planning that worked out well. I’ve kept a massive $42,000 emergency fund for some time due to my goal of maxing out my 5% interest savings accounts.

We also ended up with a large stockpile of cash in anticipation of our baby – and having that cash really gives us a lot of security right now. We ended up with all of this cash because, for the past year, we’ve opted to pay minimum payments on my wife’s student loans and put all of the excess payments that we would have made into a savings account. The idea was that by doing this, we could have the money on hand in case we had unforeseen issues with our baby. And if we didn’t need the money, we could take it and pay off the student loans with one click.

Right now, we’re probably going to continue to hoard this cash just because so much is up in the air.

Costs That We’re Thinking About At The Moment 

As everyone likely knows, kids aren’t cheap. Here are some of the costs – direct and indirect – that my wife and I are thinking about right now:

Immediate Birth Costs. One of the strange things about medical care in the United States is that there’s no easy way to figure out how much it costs to actually have a baby. Other than checking to make sure that our hospital was in-network for our insurance, we honestly didn’t even have a ballpark of what the actual birth would cost. We recently received a few bills from the hospital and it looks like after insurance, we’ll be paying somewhere between $3,000 to $5,000 to have our baby. I have no idea whether this is reasonable or not. In any event, we’ll be using a credit card to pay this bill, so we’ll at least get some money back via the points we earn from credit cards. (I recently opened up another Chase Ink Preferred specifically for this purpose.)

Health Insurance. We have to add our baby to our health insurance plans. Since my wife and I both have our own businesses, we’re fully on the hook for this cost. I have an HDHP that I pay for through the state exchange (which gives me access to an HSA). My wife gets her health insurance from the group plan that she has with her practice. We’ve made the decision to put our baby on my wife’s health insurance since she has the better health insurance plan. I don’t know what this will cost yet.

Daycare Costs. It’s hard to even think about daycare at this point, but it’s something that we’ve had planned since my wife got pregnant last year. Our initial plan was to have our son attend daycare three days a week, with my wife and I each working four days a week and alternating taking care of our son on our off days. Daycare costs $1,404 per month, so this is not a cheap expense. In fact, once daycare starts, that will become our highest monthly expense – higher than our mortgage even. We had daycare scheduled to start at the end of May/beginning of June and we’re going to have to pay if we want to keep our spot, even if we decide to hold off on sending him to daycare until the pandemic passes.

College Costs. I set up a 529 plan for myself five years ago and have been putting money into it in order to get a state tax deduction. Our state lets us deduct up to $3,000 for 529 contributions, so we’ll continue to put $250 per month into the 529 in order to take advantage of this deduction. I use the New York 529 plan since I think it’s the best 529 plan (my state gives us a tax deduction if you contribute to any 529, not just our state 529 plan). This cost will have to increase at some point in order to fully fund future college costs, but for now, we’re just aiming to put $3,000 per year in order to take advantage of the state tax deduction.

Less Time Working. This is more of an indirect cost, but having a baby will obviously impact both me and my wife’s ability to make more money. With kids, we’ll necessarily have to work less, which will likely mean we earn less. It’s a trade-off we’re willing to make, but it is a trade-off nonetheless.

Excited About The Future 

There’s a lot of doom and gloom out there with the ways things look, and even though I tend to be an optimist, I can’t seem to stop myself from reading all of the doomsday stuff that’s out there on the internet. It can scare you into thinking that the world is over.

The interesting thing, however, is that when you have a baby, the only assumption that you can work on is your belief that the world will get better. And it seems like every single time, the world absolutely does get better. Say what you will about the world we live in now, but it’s better than the world we lived in years ago. 

I was listening to the Micromobility podcast a few weeks ago and the host of that podcast made an interesting point about what happens after big, societal changing events. Interestingly, instead of destroying the world, it often seems like great, productive things come out of it.

The endless Napoleonic Wars of the early 1800s led to the Industrial Revolution. World War 1 and the Spanish Flu led to the Roaring Twenties. The Great Depression and World War 2 led to the prosperity of the 1950s. Even the Black Death of the 1300s ultimately set the stage for the Renaissance.

I’ve got a lot of faith in people to improve, create, and innovate and we’re going to learn and create new things out of this crisis that we’re going through right now.

With a new baby in our lives, we’ll be doing the same thing – learning, improving, and hopefully making ourselves and the world a little better for this new life that is now in our hands. Things aren’t the most ideal right now. But I think the future is looking bright.

This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
  • 5% Savings Accounts. I'm currently getting 5.24% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
  • US Bank Business. US Bank is currently offering new business customers a $900 signup bonus after opening a new account and meeting certain requirements.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account.
  • Empower. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

Filed Under: My Story

Reader Interactions

Comments

  1. Marc says

    April 6, 2020 at 6:51 am

    Congrats Kevin! It’s great to read some positive news these days. The timing will definitely give you plenty to tell your son about what was going on in the world when he was born.

    Reply
    • Financial Panther says

      April 8, 2020 at 8:22 pm

      Thanks Marc! Yeah, it’s a crazy time that will be a defining moment for all of us I think.

      Reply
  2. KyleP says

    April 5, 2020 at 8:50 am

    Congratulations! I guess it’s no better time to have a shelter in place order to spend time with your baby. For daycare, there is a wonderful program called ECFE you should check out if you haven’t done so, when you are ready. Stay safe!

    Reply
    • Financial Panther says

      April 5, 2020 at 10:51 pm

      Thanks! I’ll take a look at it!

      Reply
  3. Tina says

    April 4, 2020 at 9:27 pm

    Congratulations Kevin! My “baby” is turning 4 in June, and the past few years have been amazing with her in our lives. You are in for a wonderful, intense, and joyful ride!

    Reply
    • Financial Panther says

      April 5, 2020 at 10:50 pm

      We’re looking forward to the journey!

      Reply
  4. Jake says

    April 4, 2020 at 8:28 am

    Congratulations!! Enjoy your time with your family. The days can be long but the year(s) go fast. My son is 13 months old. Don’t worry too much about him not getting socialized early on, most babies will get “stranger danger” later on no matter what. Pretty normal.

    Reply
    • Financial Panther says

      April 5, 2020 at 10:49 pm

      Thank you! And thanks for the reassurance. We’re really going to enjoy when we can meet up with people again.

      Reply
  5. Katie Camel says

    April 4, 2020 at 6:51 am

    Congratulations! Stay safe! 🙂

    Reply
    • Financial Panther says

      April 5, 2020 at 10:50 pm

      Thanks! Doing the best we can out here!

      Reply
  6. Matt Spillar @ Spills Spot says

    April 3, 2020 at 6:02 pm

    Congrats Kevin, what exciting news and great timing!!

    Reply
    • Financial Panther says

      April 3, 2020 at 6:25 pm

      Thanks Matt!

      Reply
    • FI for the People says

      April 3, 2020 at 10:22 pm

      Many congratulations. In a time when most of the news is bleak, it’s great to read about something unequivocally excellent.

      Reply
      • Financial Panther says

        April 5, 2020 at 10:48 pm

        Thanks!

        Reply
  7. Tawcan says

    April 3, 2020 at 5:55 pm

    Congrats Kevin! Enjoy your time with the baby boy. Definitely got lucky with the timing of the birth.

    Reply
    • Financial Panther says

      April 3, 2020 at 6:25 pm

      Thanks Bob!

      Reply
  8. Michelle @ FrugalityandFreedom says

    April 3, 2020 at 5:41 pm

    Congratulations! What exciting news, Kevin. Sounds like you’re in a good position for now and got lucky with the timing of the birth. Good luck for the adventures of parenthood ahead!

    Reply
    • Financial Panther says

      April 3, 2020 at 6:24 pm

      Thanks Michelle! It’ll be an adventure for sure.

      Reply
  9. Financial Samurai says

    April 3, 2020 at 5:19 pm

    Congrats man! No better time to have a baby then right now!

    Good for both parents to take care of the little one for 3-6 months.

    Enjoy!

    Sam

    Reply
    • Financial Panther says

      April 3, 2020 at 6:24 pm

      Thanks! Yeah, it’s a scary time, but honestly, if we’re going to be at home, now’s the time. The only thing that’s made me sad is that our little one hasn’t been able to meet anyone really. He probably thinks we’re the only two people in the world right now.

      Reply
  10. Tae says

    April 3, 2020 at 5:15 pm

    Congrats on fatherhood Kevin!

    Reply
    • Financial Panther says

      April 3, 2020 at 6:23 pm

      Thank you!

      Reply
  11. gofi says

    April 3, 2020 at 3:45 pm

    OMG – congrats for the little panther. Youre blog just became all the more relevant because we had our first a week ago 🙂 now that’s something. Ill look forward to reading about how you go about your boy to get ideas. We’re also waitlisted at a daycare – 3 days a week – $1400. That’s a second mortgage and really hits our savings rate. I’d rather out that amount in our baby’s vtsax fund. At the moment, my wife thinks shell work weekends – she’s a nurse. I’m not sure about the 529 so I’ll need to read more on that.

    Reply
    • Financial Panther says

      April 3, 2020 at 6:23 pm

      Oh man, we’re basically on the same track then.

      Congrats to you! We’ll have a lot to learn from each other as we both figure this stuff out. Like most things in life, we just learn it as we go.

      Reply
  12. 2018Reader says

    April 3, 2020 at 3:37 pm

    Congratulations Kevin!
    I am happy for you. Your blog has been quite helpful and an inspiration to me.

    Reply
    • Financial Panther says

      April 3, 2020 at 6:21 pm

      Thank you! Really appreciate the kind words and glad I’ve been able to help you in some way.

      Reply
      • Donna says

        April 4, 2020 at 9:28 pm

        Aw, a baby! How wonderful. Congratulations, Kevin.

        Reply
        • Financial Panther says

          April 5, 2020 at 10:50 pm

          Thank you Donna!

          Reply
  13. Nathan says

    April 3, 2020 at 3:27 pm

    Congrats man! Glad to hear everything went well with the birth! That is an awesome onesie lol

    My wife’s due date for our first is 6/01 so we may be dealing with a lot more than we anticipated. Crazy how much this virus has changed.

    This situation has made me want to pile up some more cash. I’ve been a bit on the aggressive side with how much we’re investing vs saving cash and now I wish I had saved a little more. I did start the process for the 5% savings accounts so thanks for the walkthrough on those!

    Hope the rest of your year goes well and I’m optimistic good things will come from this too.

    Reply
    • Financial Panther says

      April 3, 2020 at 6:20 pm

      Thanks! I hope that by June, things slow down, but depending where you are, that might be around the peak, so things could be crazy then. I wish you well!

      Reply

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