So much so that I wasn't expecting the incredible transition.
thats one of the only things I remember from the birth of our first. Everybody tells you its a huge change, but its really a ginormously huge change!
I always saved ahead for fun purchases. For my HT I decided anything I earned above a certain amount would go to the HT fund. At the same time I set myself another personal savings goal I had to meet at the same time so about 80% of total savings went towards the HT.
With a young family it is probably a very good idea to have some savings as a backup for unexpected challenges.
