If you have a typical STEM job or better, your employer covers nearly all the cost of healthcare for your family. You only need private schooling if you are in

If you have a typical STEM job or better, your employer covers nearly all the cost of healthcare for your family. You only need private schooling if you are in a city and don't have a stay-at-home parent. Suburban schools are usually OK. You can homeschool. In most states, you don't need a college tuition fund. For example, a student in my state can get an AA degree for about $5000, and can then upgrade it to a BS degree for an additional $15000. If you birth a kid every 2 years, you'll end up with 2 kids in college at once and the cost will be $10000 per year. That is 1/6 of a typical family income, or about 1/12 of a typical STEM job.