Planning for a big family cost need not wipe out your safety net. Learn to use...

https://blogfreely.net/neasalnfbo/what-is-a-sinking-fund-and-how-is-it-different-from-an-emergency-fund

Planning for a big family cost need not wipe out your safety net. Learn to use separate savings pots, protect your emergency buffer, and stress-test the budget with an awkward month before you commit.