Stoia

New Baby Money: The Nine-Month Head Start

Childcare math, a deeper emergency fund, college savings, and the paperwork nobody mentions. A calm financial checklist for new parents.

For expecting and brand-new parents.

  1. Free tool50/30/20 Budget CalculatorRebuild the budget around childcare before the first invoice.
  2. GuideHow Much Emergency Fund Do You Really Need?A dependent means a deeper cushion: recalculate yours.
  3. Free toolEmergency Fund CalculatorPut a number on the new target and a date on reaching it.
  4. Free toolSinking Fund CalculatorPre-fund the predictable: daycare deposits, gear, medical bills.
  5. Free toolCollege Savings CalculatorSee what starting a 529 this year vs at age five changes.
  6. GuideThe New-Baby Money Checklist: Nine Months, One ListThe nine-month runway: childcare math, coverage, and paperwork.
  7. GuideHow Much Does a Baby Cost in the First Year? A Line-by-Line Budget, Delivery to DaycareA line-by-line first-year budget, from delivery to daycare.
  8. GuideHow Much Life Insurance Do You Need? Walk the DIME MethodThe DIME method walked through with a real family example.
  9. Free toolLife Insurance CalculatorA dependent changes the math: size coverage with the DIME method.
  10. GuideHow to Budget as a Couple: Yours, Mine, and OursOne income for a while? Re-pick the merge model together.

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