Having a new baby is a time of joy and wonder. But for many new parents, it can also be a bit terrifying. There are new roles and responsibilities, a new little personality to get to know, and - let's face it - new bills to pay. Anyone who's had a child, or is close to someone having a baby, knows that with all the excitement comes the worry of juggling time and money. And those anxieties tend to increase as the costs of raising children, especially education costs, continue going up.

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