If you haven't had children yet I'm sure you have heard that they are expensive. There's diapers, clothing, formula (if you go that route), and childcare if you have to work. You may not think of medical expenses, after school activities, private school, toys… they all have to have toys. The list is ever growing. See I said they were expensive.
That isn't even including college or if an unfortunate accident happens. You always need to be prepared. Luckily there is child insurance. You can get insurance for accidents, life insurance, and college plans. Gerber life has affordable premiums and payment plans. Check them out.