Need advice

My wife is pregnant again and just quit her job. We're 35 and have a 15 month old too. Wife gets to keep her govt health insurance till January (deductible is already hit at 95% coverage), but cobra kicks in next week and full coverage for our family of 3 is around $500/wk or $15k till the year is out. I'm gonna have to work 7 days a week and pray that I can pick up Medicare because this shit is gonna cost more than our fucking mortgage+property/school tax and homeowners combined till we cancel it January 1st. Seriously considering a home birth in our bathtub at this point. I might qualify for medicaid, because on paper I made $55 k last yr, but in reality it's closer to 110k I'll pull in come April 2026. Was just about to start paying into a 401k too and hire an employee with our $20k savings. Neither of us has family to look after our daughter so we're totally fucked. Any way around this? Our daughter has dairy, egg, and peanut allergies so there's nothing she can eat at the daycares we looked at, they don't let you bring and food in. All my daughter eats is steak, chicken, breast milk, rice, oats, banana bread, and vegetables like broccoli, carrots, and spinach.

im going to ignore your question just cause you posted AI slop

Having kids in mid 30s

daughter has dairy, egg, and peanut allergies

Dont forget to save for special ed classes to for child 2

My coworker and his wife were in their mid/late 30s when they had kids and two out of three are downies (._. )
I'm 39 and will never have kids. Feels bad man.

oats, broccoli, carrots, spinach

Try to cut that more
Try to introduce various other meat parts and natural fruits

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I'm 39 and will never have kids.

pro chad move.

this is a problem i want
t.about to be 38 and no gf

full coverage for our family of 3 is around $500/wk

just don't buy insurance man. are you really paying more than that out of pocket for doctor visits? you should quit going to the doctor also, they will just scam you and put you on meds

broccoli is a death sentence straight up

wut why? i eat kale daily

it was le sarcasm in response to that guy's food tier retard bait

It's a picture of us at the beach
Our daughter is incredibly healthy and will grow out of her allergies like her grandma did
There's nothing wrong with kids in your 30s. My mom had both my brother and I before 30 and neither of us went to college. I'm a contractor and he works at a warehouse. My brother lacks sentience however because he was born second (mom is rh negative and without immunoglobulin he would've been a miscarriage).

Dude an ultrasound is 3k times 3, plus the birth (at least 10k), plus post natal infant care will be gone when the baby is born (December 28th expecting, full deductible of $3200 resets January 1st). Our daughter was breach and the c section was almost $20k. The hospital fucked it up though (didn't do a preliminary ultrasound wife was in labor for 26hrs) so we got it free. I personally never go to the doctor or dentist so thinking about dropping me from the plan to make it a bit cheaper.

ah i see, just checking incase, never know these days

Sperm is regenerated and doesn’t decline like egg quality does.

My wife

My wife

This is all you need to know.
You ngmi dumbass

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Check out the affordable care act marketplace. I quit last year but cobra was too much. Aca worked out to free even with the half year worked. However if you take cobra I don't think you get a special enrollment and have to wait until regular enrollment. I got another HSA qualified high deductible plan, I did lose my deductible I had paid my employer account but had HSA savings to cover any emergency. Had to pay back a little if the credit at tax time but not much. New plan is better than my employer high deductible as some thing are cheaper. But not sure on a family, but may still be cheaper than paying cobra even if you get a new deductible aca can start the next month after you enroll. Chip might be available for the kids. At least in my state Medicaid they have limits on savings so you really have to be completely broken. But check out your options before signing up for Cobra. also I may not be exactly correct but that was what I recall

No, sperm get damaged too, by bad food.

Home births are great. If your wife is up for the task their is no reason not to do it. My last daughter was born unassisted at home. I caught her in my hands and handed her to my wife. We cleaned her and momma up and we cuddled in bed smitten with the new love that just entered our world. Completely different experience than hospital birth which sucks.

Just have a bag packed and car ready if you need to go to a hospital.

Also, don't vacks your kiddos. That's more than likely the cause for all of your kids allergies. They might not be able to go to public indoctrination camp but that's ok. Your wife can stay home and homeschool while you bring the bread in. That's what my situation is.

Also fuck health insurance. You really don't need it. If you focus on wholistic health and eat good food you don't need health insurance for the senpai. Its just about cultivating a system of health and wellbeomg in your home and not relying on outside forces to take control of your health. It's very much mindset too. Modern medicine is meant to cause fear and to distrust the natural healing abilities of the human body. In reality our body/mind can heal most ailments.

Anyways I gotta go cook the kiddies some eggs good luck OP

You guys talk shit about the military, but this is one of the massive benefits of military service. Free healthcare is no joke and you don't realize how much it costs until you need it.

I'm a National Guardsmen meaning I work a civilian job and do military training 2-4 days/month + 2-3 weeks out of the year, with an occasional month long training or year long deployment. I pay $53/mo for Tricare Reserve Select, and it covers EVERYTHING. If I get married and have kids, the premium only goes up to $275/mo. Additionally right now, due to a program in my state, I get reimbursed up to $100/mo for Tricare premiums.

Hurr durr Israel

Yeah, but I can also have kids without paying Dr. Shlomo $30,000.

Americans have to pay thousands just to have a kid

And you guys wonder why Canadians don’t want to join you

It's the biggest lifehack I've experienced.

do nothing

get promoted

free Healthcare and housing

retire and work another career while collecting what is effectively a mortgage payment forever

look at my portfolio when work sucks and cheer up

It's EBT but for life.

So there's another war coming huh
You guys always pop up before one

recroooters

The actual recruiters are on Anon Babble and within ond 24/7 thread.

Nope, I'm not trying to recruit anybody. Just saying that there's a way to get free college, free healthcare, and practically free real estate, but people here look down on you for doing it for some reason.

It does suck depending on your MOS, but it is definitely worth it for the benefits.

Serious question man, why didn't you move out of America before you decided to get a child?

I'm not sure where you are Anon, but my wife an I are also in our 30s having a baby. Our midwives cost $6k for the entire birth. They are completely out of network, and insurance won't cover them. As for ultrasounds, we went to two separate people, one costing $200, the other $150.

Seriously considering a home birth in our bathtub at this point.

Unfortunately since she's already had a C-section, VBAC is difficult and risky. Hospitals love to fuck you over and get you into c-sections because it's easy money, improves their numbers, works on their timetable and makes repeat customers.

Sorry for your situation and I hope you figure it out. Congratulations on your child and don't lose sight of what's important.

People in normal countries get free healthcare and way cheaper if not free education. Then they can use those savings for their down payment. All without becoming a militarycuck.

People in normal countries get free healthcare and way cheaper if not free education. Then they can use those savings for their down payment. All without becoming a militarycuck.

Good for you. I'm talking about the US though. Europeans also enjoy all those benefits in part because the US defense strategy has enabled your defense budgets to remain low.

Canadians pay thousands through taxes regardless of they have a kid or not. Your yearly tax is about 3 times my max out-of-pocket minus heath care premiums. But because it never hit your bank account you consider it "free". Tax withholding is the most ingenious invention that makes retards thankful for theft.

I bet you have 10 kids and 5 of them have died.

Lol, from what? Vaccine preventable diseases are nearly eradicated, and if you manage to catch one, they are easily treated. Now I'd get the pertussis, pneumococcal, and influenza B vaccines because I believe their benefit outweighs the risk, but if you think the unvaccinated at dying at a 50% rate, I've got a mask and a mRNA vaccine to sell ya.

Check out the affordable care act marketplace

This OP, the immediate health insurance credit is based on estimated present year earnings (that you enter).

Even if you don’t qualify for a subsidy you can still take a credit immediately, you’d just have to pay back the difference (due to your actual income being higher than your estimate) when you file taxes next year.

Measels , rotovirus , post brith bleeding from lack of vitamin k. Go fuck off back to pol you retard . Millions of preventable deaths have been avoided due to vaccination but you want kids to die and be put on iron lings again. Kys .

Op get on obama care or medicaid . Cobra is expensive .

By the way the AI rendered her legs I can tell you have a disgusting bug eyed fat asian for a wife.

What is your occupation?

You clearly don't want to engage in the modern world so your family could have premodern child mortality

cant barely afford one kid

lets make a second one

Feels bad man.

why didn't you just have kids when you were younger then. I mean you had at least 15 years

Get measles if you're in or traveling to a state with measles, but the probability that driving to your doctor's office to get the vaccine and getting in a fatal car accident is higher than catching and dying from measles.

You don't die from rotavirus unless you live in the 3rd world.

Don't mutilate your children's genitals and they probably won't bleed out. Although vitamin k isn't a vaccine so why I didn't mention it. We got that anyways due to rare brain bleeds, but oral vitamin K would work too.

Don't marry a whore and you won't need the hep b or antibiotic eye goop.

Millions of preventable deaths have been avoided due to vaccination

This is true

but you want kids to die and be put on iron lings again.

Scared of disease that only exist in leper colonies in Pakistan? That's been eradicated in the first world for half a century? Just don't travel to the middle east with your 2 month old. Use your brain and think.

Hurr durr, I can't reason for myself so you should completely trust the medical and pharmaceutical companies 100% no questions asked, or revert to the stone age

Fuck off retard

just eat like a guy from 500 years ago that didn't have any choice but to eat what he ate, this is the secret to whatever

Lel
All states are measals states now moron . It will be too late by the time you realize what is happening .

You absolutely die from rotovirus , especially if you listen to faggots like you and not seek medical care .

I never said to chop anything off kids . In fact i say dont get your kids foreskin chopped .

Lol, you could marry mother teressa but if you have been fucking whores you are prolly gonna give it to her .

diseases erradicated

Like measels ? Lol get the fuck out of here .

Go kys .

people in normal countries

Opinion discarded and run over by my pickup.

Millions of preventable deaths have been avoided due to vaccination

This is true

This is not true. The trajectory of those so called common diseases were already looking like Bobo's wet dream prior to the introduction of the so called vaccines. Read up on how those vaccines were manufactured and let your critical thinking tell you if its snake oil or not.

Just nigger max. There's no reason to pay for any medical stuff.
90% of all EMS services are used by niggers and crackheads who never pay.
Niggers don't pay a cent for having 10 kids so neither should you.
Go to the emergency room and don't give them any id and say no English

Before the modern world people had 10 kids and 7 of them died so 3 grew up to increase the population.
Your ideology is the same by everything you've written. Maybe less severe so your kids won't die, but they definitely won't be as functional as regular people which is okay if you want them to subsistence farm like an indian villager.

not seek medical care.

I plainly said you shouldn't unquestioning trust the medical industry nor reject everything, but you like to push the idea if you reject even one vaccine, you're an idiot who's children are going to die. Of course you seek medical attention in medical emergencies.

Lol, you could marry mother teressa but if you have been fucking whores you are prolly gonna give it to her.

Do I really have to say don't marry a whore and don't be a whore?

Like measels ?

No you disingenuous retard. Like smallpox, polio, malaria, rubella, and diphtheria.

In fact i say dont get your kids foreskin chopped .

Well at least we agree on the most important decision.