Affording Working Parenthood—Now, and Longer Term

Unless you’re a lottery winner or the majority shareholder of some wildly successful startup, working parenthood is going to—or already has—put a major crimp in your budget, and its costs are going to keep hitting you in several different ways. Parental leave may cause a short-term dip in your income. Good-quality childcare can come with a hefty price tag and that’s on top of all of the regular costs of childrearing (the baby food, the clothes, the bigger apartment, and so on). Working fewer hours to spend more time with the kids can also lead to lower pay.

And even if you pride yourself on being particularly money-savvy and are lucky enough to have a solid, stable income, you’re ...

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