8 best ways to make room in your budget for a baby

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Grow up, get a job, marry, buy a house, have children. That’s been formula for success for decades. Lately, the pattern has changed and the reason may result less because of biological clocks than bank accounts.

“It’s the money, stupid,” says family wealth adviser Rick McDonald.

Indeed, women of child-bearing age, and couples in general, may put off or rule out children altogether because they’re worried about the financial impact.

A report by the National Center for Health Statistics say the number of babies born in the U.S. dropped in 2015, partly as a result of young women electing to wait to have children.

For those contemplating future parenthood, Bankrate has rounded up money-savvy experts for ways to bulletproof your budget before having a baby.