[kthejoker2]

4 kids, no major health issues, public school in a well regarded district, a few activities, company insurance, work from home spouse

My marginal housing, food, etc. costs is for them (guesstimating what I'd spend without them at 60% of my current expenditures), that's $700/month per kid * ~200 month = 140k per kid.

Maybe another $20k each in one off expenses like furniture, medical, birthdays?

A car for the last two years might run another $20k?

Day care definitely drives up the price.

But I guess being able to amortize over 4 kids makes it seem less daunting.