How much did you save before TTC?

posted 2 years ago in TTC
Post # 16
378 posts
Helper bee

Hubby and I have decided that we should have at least $7,000 put aside for maternity leave. We live in Canada where we have the option of taking 18-month paid maternity leave. The government will pay 33% of my salary (but capped, of course) for that time. My company will top-up my leave pay for 6 weeks. I also don’t have to worry about medical bills and my company will continue my insurance for dental and stuff throughout my leave, so saving is for just the basics.

When taking into consideration basic living expenses about $7,000 is the minimum of what it would take to get through 18 months without me working. We’ll probably put away $10,000 to be safe.

However, if I took a 12-month leave at 55%, it is unlikely I would need to save anything at all ahead of time. I’m not worried because we have a pretty substantial nest egg ($100,000+). But for expenses that I can see coming, it’s a no-brainer to pile up cash rather than chip away at existing savings.

Post # 17
785 posts
Busy bee
  • Wedding: January 2016

Everyone is different. We didn’t save. We had maybe 6% of our annual income and about twice that in checking. We bought our house maybe half a year prior to getting pregnant so were not in a savings mode. 

There isn’t a perfect time or financial situation to get pregnant (unless you’re loaded) because things can change. If you have health insurance (or live in a country where that isn’t a big deal), a stable relationship, and a stable living situation, I’d count yourself ahead of the game. Take a look at likely upcoming expenses. Do you have an older vehicle? Home improvements that are needed? You can’t prepare for everything. When things feel right, go for it. A lot of people are probably going to disagree here, but babies are not the most expensive things ever. Buy secondhand. Don’t go overboard on clothes, accessories, and toys. Formula and diapering were our biggest expenses and that was maybe 2k for the first year? We stopped going out to eat and cut back a bit on entertainment expenses. 

Best of luck!

Post # 18
9067 posts
Buzzing Beekeeper

View original reply
camoandglitter :  try living as if you have a kid now. If you’ll stay home that means only living in his income. If you’ll need daycare start “paying” it to a savings account every month on top of what you would ideally save when the kid is here. Assume you’ll need formula for the sake of monthly expenses (because it’s like  $100/month. There is no magical dollar amount to have saved to TTC – just enough to be confident that you can swing it. 

Post # 19
609 posts
Busy bee
  • Wedding: August 2016

We have a fluctuating amount as we’ve been TTC 2 years and dipped into savings now and then, but roughly £3k at the moment, which we intend to put towards a new heating system in the next few months as ours is nearly dead. We do overpay our mortgage quite a lot though.

Big difference is I live in U.K. where we get free at point of access healthcare including 3 rounds of ivf and 9 months paid mat leave (in my company 18 weeks at full pay). I would like to have £5k saved to top up so I can cover some of the shortfall and hopefully take a year mat leave but it should be possible to save that while pregnant. At this point my primary concern is just whether I will ever get pregnant and carry to term (have had an early miscarriage). If 3 rounds ivf don’t work will need to decide whether to save up to pay for a 4th. 

In your position I would go for it and not delay.

Post # 20
1087 posts
Bumble bee

There isn’t one arbitrary number that works for every family.  But I will say that if your goal is $50k and you’re about a year away from hitting that, if you were lucky enough to get pregnant immediately, you’d be super close to $50k by the time the baby is born. At 33 with irregular periods, I’d not split hairs over a few grand of savings.

Post # 21
1133 posts
Bumble bee
  • Wedding: October 2015

I think our husbands would make wonderful friends lol 

I think saving enough for the insurance deductible(s) is enough. My daughter is 7 months old and with insurance deductions I have probably paid 9ish grand so far; that would encompass daycare, fully furnished nursery, my insurance deductible and her insurance (husband’s plan), clothes, diapers, feeding supplies, stroller, toys. I’m talking everything so far, having to pay two separate insurance deductions was a big chunk and I wish I had just kept her on mine from her birth month to the end of the year then switched but sadly we didn’t. I also purchased used clothes (baby grows quickly so don’t worry about all new), waiting for sales on the crib, stroller and I purchased a vintage dresser from an antique store! 

It took us almost exactly 1 year of TTC to finally get pregnant I so wanted to start trying the year prior but my husband thought we would magically conceive overnight. Hold your ground and start trying for that baby now! 33 isn’t young (it’s old either) but it can take us ladies in our 30s a little longer to get pregnant. I’m 34 now and I’m ready for baby #2

Post # 22
1512 posts
Bumble bee

I’m going to save my pay for a year and we’ll live off husbands salary/cash I make from side projects. I think it will be about 50k in US dollars.

Post # 23
716 posts
Busy bee
  • Wedding: December 2014

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camoandglitter :  absolutely not a dime. We used all savings for IVF. But once pregnant I worked my butt off to pay off my car and save just a little bit. We are surviving! It’s anazing what you can live off when you have to…remember the good old student days? 

I bought too quality baby clothes second hand (70 items for $50… big brand names too and most not even worn), my nursery furniture was second hand or passed along and I think his nursery is BEAUTIFUL and Pinterest worthy. For example I got a $350 leather recliner for $10 second hand. 

The point in, you can have a baby with lots of $ in the bank, and that’s very lovely and nice. And you can have a baby with not much $ in the bank, and whilst some aspects may be slightly more difficult, it’s doable if you prioritise. 


It it sounds like you already have a healthy chunk of savings. Fertility is an unknown road for all of us until we try…what about trying without trying if you know what I mean?

Post # 25
1460 posts
Bumble bee
  • Wedding: June 2017 - A vineyard

We  didn’t really try to TTC. Ours was a surprise but we had several thousand at least in savings. Because of budgeting once we were married  and my husband being single so long he was a pretty decent saver. But it got wiped between my morning sickness being so bad I couldn’t do any cooking or basically anything my entire pregnancy and having to leave an airborne mold infested apartment so we ended up with some credit card debt having to replace only the important items. It’s been paid off now but it was scary there for awhile. I’m glad we are able to put savings back in our account again. I’m hoping we can put away 10 to 15k before we ever have another baby. 

Post # 26
892 posts
Busy bee
  • Wedding: August 2015

I think that seems like a lot to need to have saved up. Is there a logic behind that figure?


Post # 27
436 posts
Helper bee
  • Wedding: September 2012

With your irregular periods, I would start now. Goodness forbid if this doesn’t happen right away, you’ll be kicking yourself for wasting precious months. You will become obsessed with time, so just start now. 

My husband was like yours. Honestly, he was nervous about starting a family, so arbitrary numbers become a stalling tactic. We had about 30k is savings, but that wasn’t what he was focused on. We could not even try until our combined salaries equaled 150k. It’s like, why that number? Where are your charts dude? Anyway, once that happened, he had another goal. NOPE. I told him it was time to put on his big boy underwear and push through. You need to do the same. 

Post # 29
2154 posts
Buzzing bee
  • Wedding: August 2014

We had a decent amount saved when we started but have grown our savings by a significant amount since we started trying. It’s definitely helped ease the financial stress of needing to do IVF. We had some insurance coverage but have spent probably 30-40k on treatment and meds so far. Of course, it’s silly to be worrying about that until you need to but I can tell you that not needing to stress about where the money for IVF will come from is entirely worth it.  We’re about the max out our insurance benefits and knowing we can afford to keep going if we have to is priceless. My hope is if we don’t end up needing to use all that money for treatment we can use it towards a nanny for the first year instead of day care. 

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