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Want to Raise a Kid in Canada? That’ll Be $293,000
(thewalrus.ca)
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So it's a question of, is dad working? How much is his wage? If he leaves early infrequently does he earn less? Can mom take the stairs for a few weeks or months before/after giving birth? Are we close enough to friends they can help? Do we have a chute to get smelly diapers away from mom and baby? Can we afford disposable vs cloth diapers?
If it costs you more money to leave work, or get an ensuite, or hire somebody, or buy disposable, or you are priced out of every option, that's not perfect that's just one of a series of financial choices.
Right now they are priced out of all the options, ensuite seemed like the best one.