[salawat]

>(and I should have predicted this) they started filling up our newborn

Look up embedded vs. unembedded deductible/plans.

Also, I may be considered an extreme example, because I'm morally opposed to reven trying to rear a child until I can satisfy myself I can maintain stability of a household. Looking after other folks kid@s is fine, but I won't actively attempt procreation til I have the process basics mostly down.

Yes, everyone says you'll never pull it off. No, I'm sticking to my guns anyway, because I have a rather large list of things people tell me will never happen, and it gets larger by the day.