Raising kids is one of life’s greatest joys — and one of its biggest expenses. Today, the average cost of raising a child in the U.S. is about $21,681 a year. That adds up to more than $237,000 by the time they turn 18.
And that’s before you even think about college.
We’re not here to stress you out. We’re here to help you feel ready.
In many households, childcare and housing are the two biggest monthly expenses — often topping $1,000 each. These aren’t extras. They’re essentials.
So if you’re feeling the pressure — you’re not alone.
As your child grows, your expenses shift — fast.
What starts as diapers and daycare soon turns into school supplies, sports fees, and extracurriculars. That’s why it’s so important to review your family budget regularly.
Monthly check-ins aren’t just smart. They’re necessary.
Looking ahead can ease a lot of future stress. A few smart moves now can pay off big later:
You don’t need the most expensive stroller. Or the newest everything. Focus on what your child really needs — not what social media says you should buy.
Being practical isn’t just budget-friendly. It gives you freedom.
Freedom from stress. Freedom to be present for the moments that matter most.
At Central Valley Firefighters Credit Union, we know every family is unique. So are your financial needs.
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