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03 / GROWING A FAMILY

Plan for a child without guessing what has to give.

Ask the question in your own words. Linc checks your accounts, goals, and the assumptions that can change the answer.

LSAMPLE DECISIONILLUSTRATIVE

Can one of us take four months of leave and still afford childcare?

THE SHORT ANSWER

Yes—if you build an $18K leave fund before the baby arrives.

Saving $1,800 a month for ten months covers the unpaid leave, keeps the emergency fund intact, and avoids pausing retirement contributions.
LEAVE FUND$18KCHILDCARE$2.1K/moRETIREMENTUnchanged
∑  Every input, assumption, and calculation is inspectable.

WHAT MOVES THE ANSWER

Change the assumption. See the consequence.

01

Time away from work

Compare paid and unpaid leave without losing sight of cash flow.

02

Childcare

See when daycare costs begin and how long they overlap with leave.

03

Housing and space

Test whether a move belongs in the same plan or can wait.

WHAT LINC CHECKS FIRST

The numbers that can change the answer.

Income + benefitsCash savingsMonthly spendingChildcare estimatesRetirement contributions
EXPLORE ANOTHER DECISIONRETIREMENT PLANNING→HOME BUYING→PORTFOLIO ANALYSIS→FINANCIAL STRESS TESTING→

TRY IT WITH YOUR OWN NUMBERS

Bring your growing a family question to Linc.