Currently we have about $150 extra of cash flow at the end of the month. If we sign another lease for this same apartment complex for another year, we will have $120 extra a month.

Insurance for if we add another person (i.e. a baby) to our plan is an extra $200 a month.

Diapers cost about $50/month.

So that means a minimum of $250 extra of monthly money needed to have a baby (at least for the first 6 months before they start solid food), at our current place, on the cheapest possible lease option our place giving us.

Moving to a new place could cost us up to $45 more per month than we would be paying if we signed another lease here, which would leave us $75 extra a month.

Not enough money for a baby.

Stephen's raise this year, which won't come into effect until August (3 months after our current lease ends), could be anywhere from an extra $42/month to an extra $127/month, which would total our extra monthly cash to between $162-$247/month at our current place on the new lease, or $117-$202/month at a new place.

Still not enough.

Stephen has been told he has reached the absolute highest advancement he could in his current position.

He will still be required to get an "Fully Meets Expectations" on his reviews at his current job in order to get a cost-of-living raise every year.

Space isn't our #1 problem after all. Money is.

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