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New and growing families

10 moments for new and growing families.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Pregnancy announced

    “Baby due in seven months? Your parental leave pay is the first number to check.”
    Ringtone
    The first ultrasound
    What's at stake
    Leave policies, short-term disability and the budget for a smaller paycheck need planning before the due date.
  2. Baby's first 30 days

    “Your new baby has 30 days to be added to your health plan. Most parents learn that late.”
    Ringtone
    The birth certificate
    What's at stake
    Adding a child is a qualifying event with a deadline, and it's also the moment to open savings and update beneficiaries.
  3. Life insurance for the first time

    “Someone depends on your paycheck now. Term life insurance costs less than your streaming services.”
    Ringtone
    The baby's birth
    What's at stake
    Parents need enough coverage to replace income; the group policy at work is usually not enough.
  4. Writing the first will

    “Who raises your kids if something happens to both of you? Without a will, a judge decides.”
    Ringtone
    Choosing a guardian
    What's at stake
    A will names guardians; without one, the state does.
  5. Childcare bill arrives

    “Daycare costs more than your mortgage. Here's how the dependent care FSA and tax credit help.”
    Ringtone
    The daycare contract
    What's at stake
    Childcare is often the biggest new expense, and tax-advantaged accounts reduce it.
  6. One parent stays home

    “Going down to one income? Run the numbers before you give notice.”
    Ringtone
    The resignation conversation
    What's at stake
    Losing a paycheck changes savings, retirement and spousal IRA options.
  7. Opening a 529

    “Grandparents asking what to give for the first birthday? Point them to a 529.”
    Ringtone
    The first birthday
    What's at stake
    Starting college savings early gives decades of growth, and gifts can go straight in.
  8. Second child on the way

    “Baby number two: the second kid costs less than the first, unless you need a bigger house.”
    Ringtone
    The second pregnancy
    What's at stake
    A second child often triggers a home move, a car and more childcare.
  9. Outgrowing the home

    “Two kids in a two-bedroom: the school district is now part of your house search.”
    Ringtone
    A school district map
    What's at stake
    Upsizing is a big decision that ties housing to schools and commute.
  10. Returning to work after leave

    “Back to work after leave: re-check your benefits elections before the first payday.”
    Ringtone
    The return-to-work date
    What's at stake
    Leave can pause contributions and change FSA elections that need resetting.

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General education, not financial advice. Check rules and figures against current law before you publish.